Follow the dollars · Assumption only
A complete cash picture for Dec 13, 2026
Your down payment$225,947Cash toward the purchase price.
Closing costs + prepaids$10,628Not just lender fees.
Before credits & paid funds$236,576The complete starting cash picture.
Estimated remaining funds due at closing
$236,576No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$225,947.07
Your down payment$225,947.07
Closing costs + prepaids$10,628.48
Total buyer cash needed$236,575.55
Remaining funds due$236,575.55
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,799.00
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)$253.25
Initial HOA (3 months)$110.01
Prepaid interest, first (19 days)$241.22
Fees + prepaids$10,628.48
Your down payment is the seller’s equity. You take over the $153,953 balance, so the rest of the $379,900 price is paid at closing. A second mortgage can cover part of it. $236,575.55 is due at closing. Uses and sources reconcile at $390,528.48 each. Not a Closing Disclosure.