Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$277,594Cash toward the purchase price.
Closing costs + prepaids$12,144Not just lender fees.
Before credits & paid funds$289,738The complete starting cash picture.
Estimated remaining funds due at closing
$289,738No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$277,594.33
Your down payment$277,594.33
Closing costs + prepaids$12,143.80
Total buyer cash needed$289,738.13
Remaining funds due$289,738.13
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,850.00
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)$962.50
Initial HOA (3 months)$1,098.00
Prepaid interest, first (1 days)$8.30
Fees + prepaids$12,143.80
Your down payment is the seller’s equity. You take over the $107,406 balance, so the rest of the $385,000 price is paid at closing. A second mortgage can cover part of it. $289,738.13 is due at closing. Uses and sources reconcile at $397,143.80 each. Not a Closing Disclosure.