Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$14,681Cash toward the purchase price.
Closing costs + prepaids$13,476Not just lender fees.
Before credits & paid funds$28,157The complete starting cash picture.
Estimated remaining funds due at closing
$28,157No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$14,680.74
Your down payment$14,680.74
Closing costs + prepaids$13,476.34
Total buyer cash needed$28,157.08
Remaining funds due$28,157.08
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)$663.75
Initial HOA (3 months)$966.00
Prepaid interest, first (28 days)$1,821.59
Fees + prepaids$13,476.34
Your down payment is the seller’s equity. You take over the $365,319 balance, so the rest of the $380,000 price is paid at closing. A second mortgage can cover part of it. $28,157.08 is due at closing. Uses and sources reconcile at $393,476.34 each. Not a Closing Disclosure.