Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$283,015Cash toward the purchase price.
Closing costs + prepaids$10,666Not just lender fees.
Before credits & paid funds$293,682The complete starting cash picture.
Estimated remaining funds due at closing
$293,682No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$283,015.21
Your down payment$283,015.21
Closing costs + prepaids$10,666.31
Total buyer cash needed$293,681.52
Remaining funds due$293,681.52
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,749.00
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)$285.75
Initial HOA (3 months)$110.01
Prepaid interest, first (31 days)$296.55
Fees + prepaids$10,666.31
Your down payment is the seller’s equity. You take over the $91,885 balance, so the rest of the $374,900 price is paid at closing. A second mortgage can cover part of it. $293,681.52 is due at closing. Uses and sources reconcile at $385,566.31 each. Not a Closing Disclosure.