Follow the dollars · Assumption only
A complete cash picture for Dec 7, 2026
Your down payment$64,298Cash toward the purchase price.
Closing costs + prepaids$14,154Not just lender fees.
Before credits & paid funds$78,453The complete starting cash picture.
Estimated remaining funds due at closing
$78,453No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$64,298.38
Your down payment$64,298.38
Closing costs + prepaids$14,154.30
Total buyer cash needed$78,452.69
Remaining funds due$78,452.69
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)$766.75
Initial HOA (3 months)$1,890.00
Prepaid interest, first (25 days)$1,472.55
Fees + prepaids$14,154.30
Your down payment is the seller’s equity. You take over the $315,702 balance, so the rest of the $380,000 price is paid at closing. A second mortgage can cover part of it. $78,452.69 is due at closing. Uses and sources reconcile at $394,154.30 each. Not a Closing Disclosure.