Follow the dollars · Assumption only
A complete cash picture for Dec 10, 2026
Your down payment$230,350Cash toward the purchase price.
Closing costs + prepaids$10,915Not just lender fees.
Before credits & paid funds$241,264The complete starting cash picture.
Estimated remaining funds due at closing
$241,264No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$230,349.79
Your down payment$230,349.79
Closing costs + prepaids$10,914.70
Total buyer cash needed$241,264.49
Remaining funds due$241,264.49
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)$574.00
Prepaid interest, first (22 days)$315.70
Fees + prepaids$10,914.70
Your down payment is the seller’s equity. You take over the $149,650 balance, so the rest of the $380,000 price is paid at closing. A second mortgage can cover part of it. $241,264.49 is due at closing. Uses and sources reconcile at $390,914.70 each. Not a Closing Disclosure.