Follow the dollars · Assumption only
A complete cash picture for Dec 13, 2026
Your down payment$369,346Cash toward the purchase price.
Closing costs + prepaids$10,793Not just lender fees.
Before credits & paid funds$380,138The complete starting cash picture.
Estimated remaining funds due at closing
$380,138No 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$10,792.64
Total buyer cash needed$380,138.40
Remaining funds due$380,138.40
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 (19 days)$52.89
Fees + prepaids$10,792.64
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. $380,138.40 is due at closing. Uses and sources reconcile at $395,792.64 each. Not a Closing Disclosure.