Follow the dollars · Assumption only
A complete cash picture for Dec 7, 2026
Your down payment$380,230Cash toward the purchase price.
Closing costs + prepaids$22,220Not just lender fees.
Before credits & paid funds$402,450The complete starting cash picture.
Estimated remaining funds due at closing
$402,450No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$380,230.30
Your down payment$380,230.30
Closing costs + prepaids$22,219.87
Total buyer cash needed$402,450.17
Remaining funds due$402,450.17
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$9,299.99
Title & settlement$1,825.00
Recording fee$100.00
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$2,325.00
Initial HOA (3 months)$975.00
Prepaid interest, first (25 days)$2,394.88
Fees + prepaids$22,219.87
Your down payment is the seller’s equity. You take over the $549,769 balance, so the rest of the $929,999 price is paid at closing. A second mortgage can cover part of it. $402,450.17 is due at closing. Uses and sources reconcile at $952,218.87 each. Not a Closing Disclosure.