Follow the dollars · Assumption only
A complete cash picture for Dec 2, 2026
Your down payment$287,673Cash toward the purchase price.
Closing costs + prepaids$11,112Not just lender fees.
Before credits & paid funds$298,785The complete starting cash picture.
Estimated remaining funds due at closing
$298,785No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$287,673.46
Your down payment$287,673.46
Closing costs + prepaids$11,111.90
Total buyer cash needed$298,785.36
Remaining funds due$298,785.36
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,899.00
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)$343.75
Initial HOA (3 months)$219.00
Prepaid interest, first (30 days)$425.15
Fees + prepaids$11,111.90
Your down payment is the seller’s equity. You take over the $102,227 balance, so the rest of the $389,900 price is paid at closing. A second mortgage can cover part of it. $298,785.36 is due at closing. Uses and sources reconcile at $401,011.90 each. Not a Closing Disclosure.