Follow the dollars · Assumption only
A complete cash picture for Dec 27, 2026
Your down payment$247,054Cash toward the purchase price.
Closing costs + prepaids$12,325Not just lender fees.
Before credits & paid funds$259,379The complete starting cash picture.
Estimated remaining funds due at closing
$259,379No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$247,053.97
Your down payment$247,053.97
Closing costs + prepaids$12,325.36
Total buyer cash needed$259,379.33
Remaining funds due$259,379.33
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,699.00
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)$943.25
Initial HOA (3 months)$1,395.00
Prepaid interest, first (5 days)$63.11
Fees + prepaids$12,325.36
Your down payment is the seller’s equity. You take over the $122,846 balance, so the rest of the $369,900 price is paid at closing. A second mortgage can cover part of it. $259,379.33 is due at closing. Uses and sources reconcile at $382,225.36 each. Not a Closing Disclosure.