Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$367,326Cash toward the purchase price.
Closing costs + prepaids$12,928Not just lender fees.
Before credits & paid funds$380,254The complete starting cash picture.
Estimated remaining funds due at closing
$380,254No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$367,326.13
Your down payment$367,326.13
Closing costs + prepaids$12,927.68
Total buyer cash needed$380,253.80
Remaining funds due$380,253.80
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,000.00
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)$2,195.00
Initial HOA (3 months)$360.00
Prepaid interest, first (27 days)$147.68
Fees + prepaids$12,927.68
Your down payment is the seller’s equity. You take over the $32,674 balance, so the rest of the $400,000 price is paid at closing. A second mortgage can cover part of it. $380,253.80 is due at closing. Uses and sources reconcile at $412,927.68 each. Not a Closing Disclosure.