Follow the dollars · Assumption only
A complete cash picture for Nov 29, 2026
Your down payment$263,461Cash toward the purchase price.
Closing costs + prepaids$10,630Not just lender fees.
Before credits & paid funds$274,092The complete starting cash picture.
Estimated remaining funds due at closing
$274,092No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$263,461.29
Your down payment$263,461.29
Closing costs + prepaids$10,630.48
Total buyer cash needed$274,091.78
Remaining funds due$274,091.78
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,925.00
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)$424.25
Initial HOA (3 months)$33.75
Prepaid interest, first (2 days)$22.48
Fees + prepaids$10,630.48
Your down payment is the seller’s equity. You take over the $129,039 balance, so the rest of the $392,500 price is paid at closing. A second mortgage can cover part of it. $274,091.78 is due at closing. Uses and sources reconcile at $403,130.48 each. Not a Closing Disclosure.