Follow the dollars · Assumption only
A complete cash picture for Dec 7, 2026
Your down payment$377,642Cash toward the purchase price.
Closing costs + prepaids$13,117Not just lender fees.
Before credits & paid funds$390,758The complete starting cash picture.
Estimated remaining funds due at closing
$390,758No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$377,641.80
Your down payment$377,641.80
Closing costs + prepaids$13,116.60
Total buyer cash needed$390,758.40
Remaining funds due$390,758.40
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,899.88
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)$975.00
Initial HOA (3 months)$1,956.00
Prepaid interest, first (25 days)$60.72
Fees + prepaids$13,116.60
Your down payment is the seller’s equity. You take over the $12,346 balance, so the rest of the $389,988 price is paid at closing. A second mortgage can cover part of it. $390,758.40 is due at closing. Uses and sources reconcile at $403,104.60 each. Not a Closing Disclosure.