Follow the dollars · Assumption only
A complete cash picture for Dec 9, 2026
Your down payment$166,489Cash toward the purchase price.
Closing costs + prepaids$11,476Not just lender fees.
Before credits & paid funds$177,964The complete starting cash picture.
Estimated remaining funds due at closing
$177,964No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$166,488.53
Your down payment$166,488.53
Closing costs + prepaids$11,475.61
Total buyer cash needed$177,964.14
Remaining funds due$177,964.14
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,800.00
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)$515.75
Initial HOA (3 months)$468.00
Prepaid interest, first (23 days)$466.86
Fees + prepaids$11,475.61
Your down payment is the seller’s equity. You take over the $213,511 balance, so the rest of the $380,000 price is paid at closing. A second mortgage can cover part of it. $177,964.14 is due at closing. Uses and sources reconcile at $391,475.61 each. Not a Closing Disclosure.