Follow the dollars · Assumption only
A complete cash picture for Dec 10, 2026
Your down payment$322,323Cash toward the purchase price.
Closing costs + prepaids$11,296Not just lender fees.
Before credits & paid funds$333,619The complete starting cash picture.
Estimated remaining funds due at closing
$333,619No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$322,323.01
Your down payment$322,323.01
Closing costs + prepaids$11,296.36
Total buyer cash needed$333,619.37
Remaining funds due$333,619.37
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)$904.75
Initial HOA (3 months)$198.00
Prepaid interest, first (22 days)$168.61
Fees + prepaids$11,296.36
Your down payment is the seller’s equity. You take over the $57,677 balance, so the rest of the $380,000 price is paid at closing. A second mortgage can cover part of it. $333,619.37 is due at closing. Uses and sources reconcile at $391,296.36 each. Not a Closing Disclosure.