Follow the dollars · Assumption only
A complete cash picture for Dec 15, 2026
Your down payment$377,532Cash toward the purchase price.
Closing costs + prepaids$12,502Not just lender fees.
Before credits & paid funds$390,034The complete starting cash picture.
Estimated remaining funds due at closing
$390,034No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$377,531.92
Your down payment$377,531.92
Closing costs + prepaids$12,501.63
Total buyer cash needed$390,033.55
Remaining funds due$390,033.55
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,450.00
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)$534.00
Initial HOA (3 months)$1,155.00
Prepaid interest, first (17 days)$137.63
Fees + prepaids$12,501.63
Your down payment is the seller’s equity. You take over the $67,468 balance, so the rest of the $445,000 price is paid at closing. A second mortgage can cover part of it. $390,033.55 is due at closing. Uses and sources reconcile at $457,501.63 each. Not a Closing Disclosure.