Follow the dollars · Assumption only
A complete cash picture for Dec 2, 2026
Your down payment$284,227Cash toward the purchase price.
Closing costs + prepaids$12,905Not just lender fees.
Before credits & paid funds$297,132The complete starting cash picture.
Estimated remaining funds due at closing
$297,132No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$284,227.23
Your down payment$284,227.23
Closing costs + prepaids$12,904.85
Total buyer cash needed$297,132.08
Remaining funds due$297,132.08
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)$1,088.00
Initial HOA (3 months)$1,269.00
Prepaid interest, first (30 days)$423.85
Fees + prepaids$12,904.85
Your down payment is the seller’s equity. You take over the $105,673 balance, so the rest of the $389,900 price is paid at closing. A second mortgage can cover part of it. $297,132.08 is due at closing. Uses and sources reconcile at $402,804.85 each. Not a Closing Disclosure.