Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$369,346Cash toward the purchase price.
Closing costs + prepaids$10,812Not just lender fees.
Before credits & paid funds$380,158The complete starting cash picture.
Estimated remaining funds due at closing
$380,158No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$369,345.76
Your down payment$369,345.76
Closing costs + prepaids$10,812.12
Total buyer cash needed$380,157.88
Remaining funds due$380,157.88
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,850.00
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)$550.75
Initial HOA (3 months)$114.00
Prepaid interest, first (26 days)$72.37
Fees + prepaids$10,812.12
Your down payment is the seller’s equity. You take over the $15,654 balance, so the rest of the $385,000 price is paid at closing. A second mortgage can cover part of it. $380,157.88 is due at closing. Uses and sources reconcile at $395,812.12 each. Not a Closing Disclosure.