Follow the dollars · Assumption only
A complete cash picture for Dec 23, 2026
Your down payment$263,415Cash toward the purchase price.
Closing costs + prepaids$10,920Not just lender fees.
Before credits & paid funds$274,335The complete starting cash picture.
Estimated remaining funds due at closing
$274,335No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$263,415.33
Your down payment$263,415.33
Closing costs + prepaids$10,919.94
Total buyer cash needed$274,335.27
Remaining funds due$274,335.27
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,960.00
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)$475.25
Initial HOA (3 months)$159.00
Prepaid interest, first (9 days)$100.69
Fees + prepaids$10,919.94
Your down payment is the seller’s equity. You take over the $132,585 balance, so the rest of the $396,000 price is paid at closing. A second mortgage can cover part of it. $274,335.27 is due at closing. Uses and sources reconcile at $406,919.94 each. Not a Closing Disclosure.