Follow the dollars · Assumption only
A complete cash picture for Dec 3, 2026
Your down payment$381,338Cash toward the purchase price.
Closing costs + prepaids$12,033Not just lender fees.
Before credits & paid funds$393,370The complete starting cash picture.
Estimated remaining funds due at closing
$393,370No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$381,337.65
Your down payment$381,337.65
Closing costs + prepaids$12,032.69
Total buyer cash needed$393,370.34
Remaining funds due$393,370.34
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,850.00
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)$962.50
Initial HOA (3 months)$975.00
Prepaid interest, first (29 days)$20.19
Fees + prepaids$12,032.69
Your down payment is the seller’s equity. You take over the $3,662 balance, so the rest of the $385,000 price is paid at closing. A second mortgage can cover part of it. $393,370.34 is due at closing. Uses and sources reconcile at $397,032.69 each. Not a Closing Disclosure.