Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$372,826Cash toward the purchase price.
Closing costs + prepaids$10,492Not just lender fees.
Before credits & paid funds$383,318The complete starting cash picture.
Estimated remaining funds due at closing
$383,318No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$372,826.23
Your down payment$372,826.23
Closing costs + prepaids$10,491.89
Total buyer cash needed$383,318.12
Remaining funds due$383,318.12
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,790.00
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)$372.75
Initial HOA (3 months)$68.76
Prepaid interest, first (28 days)$35.38
Fees + prepaids$10,491.89
Your down payment is the seller’s equity. You take over the $6,174 balance, so the rest of the $379,000 price is paid at closing. A second mortgage can cover part of it. $383,318.12 is due at closing. Uses and sources reconcile at $389,491.89 each. Not a Closing Disclosure.