Follow the dollars · Assumption only
A complete cash picture for Dec 9, 2026
Your down payment$373,031Cash toward the purchase price.
Closing costs + prepaids$10,909Not just lender fees.
Before credits & paid funds$383,941The complete starting cash picture.
Estimated remaining funds due at closing
$383,941No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$373,031.30
Your down payment$373,031.30
Closing costs + prepaids$10,909.29
Total buyer cash needed$383,940.59
Remaining funds due$383,940.59
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,799.99
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)$755.00
Initial HOA (3 months)$96.24
Prepaid interest, first (23 days)$33.06
Fees + prepaids$10,909.29
Your down payment is the seller’s equity. You take over the $6,968 balance, so the rest of the $379,999 price is paid at closing. A second mortgage can cover part of it. $383,940.59 is due at closing. Uses and sources reconcile at $390,908.29 each. Not a Closing Disclosure.