Follow the dollars · Assumption only
A complete cash picture for Dec 7, 2026
Your down payment$370,500Cash toward the purchase price.
Closing costs + prepaids$11,807Not just lender fees.
Before credits & paid funds$382,307The complete starting cash picture.
Estimated remaining funds due at closing
$382,307No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$370,500.13
Your down payment$370,500.13
Closing costs + prepaids$11,806.64
Total buyer cash needed$382,306.76
Remaining funds due$382,306.76
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)$1,542.00
Initial HOA (3 months)$195.00
Prepaid interest, first (25 days)$44.64
Fees + prepaids$11,806.64
Your down payment is the seller’s equity. You take over the $9,500 balance, so the rest of the $380,000 price is paid at closing. A second mortgage can cover part of it. $382,306.76 is due at closing. Uses and sources reconcile at $391,806.64 each. Not a Closing Disclosure.