Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$234,898Cash toward the purchase price.
Closing costs + prepaids$11,446Not just lender fees.
Before credits & paid funds$246,344The complete starting cash picture.
Estimated remaining funds due at closing
$246,344No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$234,897.89
Your down payment$234,897.89
Closing costs + prepaids$11,446.05
Total buyer cash needed$246,343.94
Remaining funds due$246,343.94
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,699.90
Title & settlement$1,825.00
Recording fee$100.00
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$453.75
Initial HOA (3 months)$675.00
Prepaid interest, first (31 days)$392.40
Fees + prepaids$11,446.05
Your down payment is the seller’s equity. You take over the $135,092 balance, so the rest of the $369,990 price is paid at closing. A second mortgage can cover part of it. $246,343.94 is due at closing. Uses and sources reconcile at $381,436.05 each. Not a Closing Disclosure.