Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$331,548Cash toward the purchase price.
Closing costs + prepaids$10,590Not just lender fees.
Before credits & paid funds$342,139The complete starting cash picture.
Estimated remaining funds due at closing
$342,139No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$331,548.20
Your down payment$331,548.20
Closing costs + prepaids$10,590.46
Total buyer cash needed$342,138.66
Remaining funds due$342,138.66
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,790.00
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)$362.00
Initial HOA (3 months)$51.99
Prepaid interest, first (27 days)$161.47
Fees + prepaids$10,590.46
Your down payment is the seller’s equity. You take over the $47,452 balance, so the rest of the $379,000 price is paid at closing. A second mortgage can cover part of it. $342,138.66 is due at closing. Uses and sources reconcile at $389,590.46 each. Not a Closing Disclosure.