Follow the dollars · Assumption only
A complete cash picture for Dec 12, 2026
Your down payment$258,511Cash toward the purchase price.
Closing costs + prepaids$10,575Not just lender fees.
Before credits & paid funds$269,086The complete starting cash picture.
Estimated remaining funds due at closing
$269,086No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$258,510.74
Your down payment$258,510.74
Closing costs + prepaids$10,575.41
Total buyer cash needed$269,086.16
Remaining funds due$269,086.16
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,700.00
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)$316.75
Initial HOA (3 months)$162.00
Prepaid interest, first (20 days)$171.66
Fees + prepaids$10,575.41
Your down payment is the seller’s equity. You take over the $111,489 balance, so the rest of the $370,000 price is paid at closing. A second mortgage can cover part of it. $269,086.16 is due at closing. Uses and sources reconcile at $380,575.41 each. Not a Closing Disclosure.