Follow the dollars · Assumption only
A complete cash picture for Dec 7, 2026
Your down payment$363,765Cash toward the purchase price.
Closing costs + prepaids$11,411Not just lender fees.
Before credits & paid funds$375,176The complete starting cash picture.
Estimated remaining funds due at closing
$375,176No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$363,764.60
Your down payment$363,764.60
Closing costs + prepaids$11,411.26
Total buyer cash needed$375,175.86
Remaining funds due$375,175.86
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,699.00
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)$1,416.50
Initial HOA (3 months)$43.74
Prepaid interest, first (25 days)$27.02
Fees + prepaids$11,411.26
Your down payment is the seller’s equity. You take over the $6,135 balance, so the rest of the $369,900 price is paid at closing. A second mortgage can cover part of it. $375,175.86 is due at closing. Uses and sources reconcile at $381,311.26 each. Not a Closing Disclosure.