Follow the dollars · Assumption only
A complete cash picture for Dec 7, 2026
Your down payment$373,531Cash toward the purchase price.
Closing costs + prepaids$11,340Not just lender fees.
Before credits & paid funds$384,871The complete starting cash picture.
Estimated remaining funds due at closing
$384,871No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$373,531.23
Your down payment$373,531.23
Closing costs + prepaids$11,339.66
Total buyer cash needed$384,870.89
Remaining funds due$384,870.89
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)$1,251.25
Initial HOA (3 months)$51.00
Prepaid interest, first (25 days)$12.41
Fees + prepaids$11,339.66
Your down payment is the seller’s equity. You take over the $6,469 balance, so the rest of the $380,000 price is paid at closing. A second mortgage can cover part of it. $384,870.89 is due at closing. Uses and sources reconcile at $391,339.66 each. Not a Closing Disclosure.