Follow the dollars · Assumption only
A complete cash picture for Dec 8, 2026
Your down payment$314,444Cash toward the purchase price.
Closing costs + prepaids$10,633Not just lender fees.
Before credits & paid funds$325,077The complete starting cash picture.
Estimated remaining funds due at closing
$325,077No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$314,444.25
Your down payment$314,444.25
Closing costs + prepaids$10,632.58
Total buyer cash needed$325,076.83
Remaining funds due$325,076.83
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)$437.75
Prepaid interest, first (24 days)$169.83
Fees + prepaids$10,632.58
Your down payment is the seller’s equity. You take over the $65,556 balance, so the rest of the $380,000 price is paid at closing. A second mortgage can cover part of it. $325,076.83 is due at closing. Uses and sources reconcile at $390,632.58 each. Not a Closing Disclosure.