Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$70,512Cash toward the purchase price.
Closing costs + prepaids$12,851Not just lender fees.
Before credits & paid funds$83,363The complete starting cash picture.
Estimated remaining funds due at closing
$83,363No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$70,512.38
Your down payment$70,512.38
Closing costs + prepaids$12,850.61
Total buyer cash needed$83,362.99
Remaining funds due$83,362.99
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)$940.50
Initial HOA (3 months)$294.00
Prepaid interest, first (27 days)$1,591.11
Fees + prepaids$12,850.61
Your down payment is the seller’s equity. You take over the $309,488 balance, so the rest of the $380,000 price is paid at closing. A second mortgage can cover part of it. $83,362.99 is due at closing. Uses and sources reconcile at $392,850.61 each. Not a Closing Disclosure.