Follow the dollars · Assumption only
A complete cash picture for Dec 12, 2026
Your down payment$282,911Cash toward the purchase price.
Closing costs + prepaids$10,604Not just lender fees.
Before credits & paid funds$293,515The complete starting cash picture.
Estimated remaining funds due at closing
$293,515No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$282,911.44
Your down payment$282,911.44
Closing costs + prepaids$10,603.88
Total buyer cash needed$293,515.32
Remaining funds due$293,515.32
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,549.90
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)$358.00
Initial HOA (3 months)$219.00
Prepaid interest, first (20 days)$251.98
Fees + prepaids$10,603.88
Your down payment is the seller’s equity. You take over the $72,079 balance, so the rest of the $354,990 price is paid at closing. A second mortgage can cover part of it. $293,515.32 is due at closing. Uses and sources reconcile at $365,593.88 each. Not a Closing Disclosure.