Follow the dollars · Assumption only
A complete cash picture for Dec 2, 2026
Your down payment$277,175Cash toward the purchase price.
Closing costs + prepaids$11,482Not just lender fees.
Before credits & paid funds$288,658The complete starting cash picture.
Estimated remaining funds due at closing
$288,658No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$277,175.25
Your down payment$277,175.25
Closing costs + prepaids$11,482.39
Total buyer cash needed$288,657.64
Remaining funds due$288,657.64
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,790.00
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)$948.50
Prepaid interest, first (30 days)$518.89
Fees + prepaids$11,482.39
Your down payment is the seller’s equity. You take over the $101,825 balance, so the rest of the $379,000 price is paid at closing. A second mortgage can cover part of it. $288,657.64 is due at closing. Uses and sources reconcile at $390,482.39 each. Not a Closing Disclosure.