Follow the dollars · Assumption only
A complete cash picture for Dec 9, 2026
Your down payment$35,123Cash toward the purchase price.
Closing costs + prepaids$12,847Not just lender fees.
Before credits & paid funds$47,970The complete starting cash picture.
Estimated remaining funds due at closing
$47,970No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$35,122.71
Your down payment$35,122.71
Closing costs + prepaids$12,846.98
Total buyer cash needed$47,969.68
Remaining funds due$47,969.68
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)$1,238.75
Initial HOA (3 months)$125.01
Prepaid interest, first (23 days)$1,458.22
Fees + prepaids$12,846.98
Your down payment is the seller’s equity. You take over the $344,877 balance, so the rest of the $380,000 price is paid at closing. A second mortgage can cover part of it. $47,969.68 is due at closing. Uses and sources reconcile at $392,846.98 each. Not a Closing Disclosure.