Follow the dollars · Assumption only
A complete cash picture for Dec 22, 2026
Your down payment$223,911Cash toward the purchase price.
Closing costs + prepaids$10,798Not just lender fees.
Before credits & paid funds$234,709The complete starting cash picture.
Estimated remaining funds due at closing
$234,709No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$223,911.36
Your down payment$223,911.36
Closing costs + prepaids$10,797.59
Total buyer cash needed$234,708.95
Remaining funds due$234,708.95
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,760.00
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)$451.25
Initial HOA (3 months)$198.00
Prepaid interest, first (10 days)$163.34
Fees + prepaids$10,797.59
Your down payment is the seller’s equity. You take over the $152,089 balance, so the rest of the $376,000 price is paid at closing. A second mortgage can cover part of it. $234,708.95 is due at closing. Uses and sources reconcile at $386,797.59 each. Not a Closing Disclosure.