Follow the dollars · Assumption only
A complete cash picture for Dec 9, 2026
Your down payment$268,258Cash toward the purchase price.
Closing costs + prepaids$11,641Not just lender fees.
Before credits & paid funds$279,898The complete starting cash picture.
Estimated remaining funds due at closing
$279,898No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$268,257.66
Your down payment$268,257.66
Closing costs + prepaids$11,640.54
Total buyer cash needed$279,898.20
Remaining funds due$279,898.20
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)$884.25
Initial HOA (3 months)$375.00
Prepaid interest, first (23 days)$356.29
Fees + prepaids$11,640.54
Your down payment is the seller’s equity. You take over the $111,742 balance, so the rest of the $380,000 price is paid at closing. A second mortgage can cover part of it. $279,898.20 is due at closing. Uses and sources reconcile at $391,640.54 each. Not a Closing Disclosure.