Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$60,457Cash toward the purchase price.
Closing costs + prepaids$12,541Not just lender fees.
Before credits & paid funds$72,998The complete starting cash picture.
Estimated remaining funds due at closing
$72,998No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$60,456.91
Your down payment$60,456.91
Closing costs + prepaids$12,540.93
Total buyer cash needed$72,997.84
Remaining funds due$72,997.84
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)$433.75
Initial HOA (3 months)$894.00
Prepaid interest, first (26 days)$1,188.18
Fees + prepaids$12,540.93
Your down payment is the seller’s equity. You take over the $319,543 balance, so the rest of the $380,000 price is paid at closing. A second mortgage can cover part of it. $72,997.84 is due at closing. Uses and sources reconcile at $392,540.93 each. Not a Closing Disclosure.