Follow the dollars · Assumption only
A complete cash picture for Dec 7, 2026
Your down payment$371,611Cash toward the purchase price.
Closing costs + prepaids$10,729Not just lender fees.
Before credits & paid funds$382,340The complete starting cash picture.
Estimated remaining funds due at closing
$382,340No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$371,610.69
Your down payment$371,610.69
Closing costs + prepaids$10,728.91
Total buyer cash needed$382,339.60
Remaining funds due$382,339.60
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,839.00
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)$547.00
Initial HOA (3 months)$93.75
Prepaid interest, first (25 days)$24.16
Fees + prepaids$10,728.91
Your down payment is the seller’s equity. You take over the $12,289 balance, so the rest of the $383,900 price is paid at closing. A second mortgage can cover part of it. $382,339.60 is due at closing. Uses and sources reconcile at $394,628.91 each. Not a Closing Disclosure.