Follow the dollars · Assumption only
A complete cash picture for Nov 29, 2026
Your down payment$282,658Cash toward the purchase price.
Closing costs + prepaids$10,389Not just lender fees.
Before credits & paid funds$293,047The complete starting cash picture.
Estimated remaining funds due at closing
$293,047No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$282,657.98
Your down payment$282,657.98
Closing costs + prepaids$10,388.97
Total buyer cash needed$293,046.94
Remaining funds due$293,046.94
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,749.00
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)$285.75
Initial HOA (3 months)$110.01
Prepaid interest, first (2 days)$19.21
Fees + prepaids$10,388.97
Your down payment is the seller’s equity. You take over the $92,242 balance, so the rest of the $374,900 price is paid at closing. A second mortgage can cover part of it. $293,046.94 is due at closing. Uses and sources reconcile at $385,288.97 each. Not a Closing Disclosure.