Follow the dollars · Assumption only
A complete cash picture for Dec 7, 2026
Your down payment$117,292Cash toward the purchase price.
Closing costs + prepaids$11,681Not just lender fees.
Before credits & paid funds$128,972The complete starting cash picture.
Estimated remaining funds due at closing
$128,972No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$117,291.68
Your down payment$117,291.68
Closing costs + prepaids$11,680.82
Total buyer cash needed$128,972.50
Remaining funds due$128,972.50
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)$1,048.00
Initial HOA (3 months)$59.01
Prepaid interest, first (25 days)$548.81
Fees + prepaids$11,680.82
Your down payment is the seller’s equity. You take over the $262,708 balance, so the rest of the $380,000 price is paid at closing. A second mortgage can cover part of it. $128,972.50 is due at closing. Uses and sources reconcile at $391,680.82 each. Not a Closing Disclosure.