Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$267,626Cash toward the purchase price.
Closing costs + prepaids$11,461Not just lender fees.
Before credits & paid funds$279,086The complete starting cash picture.
Estimated remaining funds due at closing
$279,086No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$267,625.66
Your down payment$267,625.66
Closing costs + prepaids$11,460.71
Total buyer cash needed$279,086.37
Remaining funds due$279,086.37
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,799.00
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)$544.25
Initial HOA (3 months)$882.00
Prepaid interest, first (1 days)$10.46
Fees + prepaids$11,460.71
Your down payment is the seller’s equity. You take over the $112,274 balance, so the rest of the $379,900 price is paid at closing. A second mortgage can cover part of it. $279,086.37 is due at closing. Uses and sources reconcile at $391,360.71 each. Not a Closing Disclosure.