Follow the dollars · Assumption only
A complete cash picture for Dec 3, 2026
Your down payment$371,323Cash toward the purchase price.
Closing costs + prepaids$11,595Not just lender fees.
Before credits & paid funds$382,918The complete starting cash picture.
Estimated remaining funds due at closing
$382,918No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$371,323.00
Your down payment$371,323.00
Closing costs + prepaids$11,595.33
Total buyer cash needed$382,918.33
Remaining funds due$382,918.33
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,870.00
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)$1,296.50
Initial HOA (3 months)$123.24
Prepaid interest, first (29 days)$80.59
Fees + prepaids$11,595.33
Your down payment is the seller’s equity. You take over the $15,677 balance, so the rest of the $387,000 price is paid at closing. A second mortgage can cover part of it. $382,918.33 is due at closing. Uses and sources reconcile at $398,595.33 each. Not a Closing Disclosure.