Follow the dollars · Assumption only
A complete cash picture for Dec 12, 2026
Your down payment$157,231Cash toward the purchase price.
Closing costs + prepaids$10,961Not just lender fees.
Before credits & paid funds$168,192The complete starting cash picture.
Estimated remaining funds due at closing
$168,192No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$157,230.84
Your down payment$157,230.84
Closing costs + prepaids$10,960.81
Total buyer cash needed$168,191.65
Remaining funds due$168,191.65
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,800.00
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)$407.50
Initial HOA (3 months)$176.76
Prepaid interest, first (20 days)$351.55
Fees + prepaids$10,960.81
Your down payment is the seller’s equity. You take over the $222,769 balance, so the rest of the $380,000 price is paid at closing. A second mortgage can cover part of it. $168,191.65 is due at closing. Uses and sources reconcile at $390,960.81 each. Not a Closing Disclosure.