Follow the dollars · Assumption only
A complete cash picture for Dec 8, 2026
Your down payment$367,810Cash toward the purchase price.
Closing costs + prepaids$12,555Not just lender fees.
Before credits & paid funds$380,365The complete starting cash picture.
Estimated remaining funds due at closing
$380,365No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$367,810.19
Your down payment$367,810.19
Closing costs + prepaids$12,554.51
Total buyer cash needed$380,364.70
Remaining funds due$380,364.70
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,749.00
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)$636.50
Initial HOA (3 months)$1,920.00
Prepaid interest, first (24 days)$24.01
Fees + prepaids$12,554.51
Your down payment is the seller’s equity. You take over the $7,090 balance, so the rest of the $374,900 price is paid at closing. A second mortgage can cover part of it. $380,364.70 is due at closing. Uses and sources reconcile at $387,454.51 each. Not a Closing Disclosure.