Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$71,274Cash toward the purchase price.
Closing costs + prepaids$12,075Not just lender fees.
Before credits & paid funds$83,349The complete starting cash picture.
Estimated remaining funds due at closing
$83,349No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$71,274.08
Your down payment$71,274.08
Closing costs + prepaids$12,075.40
Total buyer cash needed$83,349.48
Remaining funds due$83,349.48
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,799.00
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)$576.00
Initial HOA (3 months)$294.00
Prepaid interest, first (28 days)$1,181.40
Fees + prepaids$12,075.40
Your down payment is the seller’s equity. You take over the $308,626 balance, so the rest of the $379,900 price is paid at closing. A second mortgage can cover part of it. $83,349.48 is due at closing. Uses and sources reconcile at $391,975.40 each. Not a Closing Disclosure.