Follow the dollars · Assumption only
A complete cash picture for Dec 17, 2026
Your down payment$276,379Cash toward the purchase price.
Closing costs + prepaids$10,789Not just lender fees.
Before credits & paid funds$287,167The complete starting cash picture.
Estimated remaining funds due at closing
$287,167No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$276,378.51
Your down payment$276,378.51
Closing costs + prepaids$10,788.84
Total buyer cash needed$287,167.35
Remaining funds due$287,167.35
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,847.77
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)$481.00
Initial HOA (3 months)$60.00
Prepaid interest, first (15 days)$175.07
Fees + prepaids$10,788.84
Your down payment is the seller’s equity. You take over the $108,398 balance, so the rest of the $384,777 price is paid at closing. A second mortgage can cover part of it. $287,167.35 is due at closing. Uses and sources reconcile at $395,565.84 each. Not a Closing Disclosure.