Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$119,511Cash toward the purchase price.
Closing costs + prepaids$14,399Not just lender fees.
Before credits & paid funds$133,911The complete starting cash picture.
Estimated remaining funds due at closing
$133,911No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$119,511.47
Your down payment$119,511.47
Closing costs + prepaids$14,399.10
Total buyer cash needed$133,910.57
Remaining funds due$133,910.57
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)$2,377.75
Initial HOA (3 months)$1,245.00
Prepaid interest, first (28 days)$751.35
Fees + prepaids$14,399.10
Your down payment is the seller’s equity. You take over the $260,489 balance, so the rest of the $380,000 price is paid at closing. A second mortgage can cover part of it. $133,910.57 is due at closing. Uses and sources reconcile at $394,399.10 each. Not a Closing Disclosure.