Follow the dollars · Assumption only
A complete cash picture for Dec 20, 2026
Your down payment$202,336Cash toward the purchase price.
Closing costs + prepaids$11,969Not just lender fees.
Before credits & paid funds$214,305The complete starting cash picture.
Estimated remaining funds due at closing
$214,305No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$202,335.87
Your down payment$202,335.87
Closing costs + prepaids$11,969.22
Total buyer cash needed$214,305.09
Remaining funds due$214,305.09
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)$456.00
Initial HOA (3 months)$1,254.00
Prepaid interest, first (12 days)$234.22
Fees + prepaids$11,969.22
Your down payment is the seller’s equity. You take over the $177,664 balance, so the rest of the $380,000 price is paid at closing. A second mortgage can cover part of it. $214,305.09 is due at closing. Uses and sources reconcile at $391,969.22 each. Not a Closing Disclosure.