Follow the dollars · Assumption only
A complete cash picture for Dec 20, 2026
Your down payment$156,654Cash toward the purchase price.
Closing costs + prepaids$10,852Not just lender fees.
Before credits & paid funds$167,506The complete starting cash picture.
Estimated remaining funds due at closing
$167,506No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$156,654.01
Your down payment$156,654.01
Closing costs + prepaids$10,852.36
Total buyer cash needed$167,506.37
Remaining funds due$167,506.37
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)$84.99
Prepaid interest, first (12 days)$286.37
Fees + prepaids$10,852.36
Your down payment is the seller’s equity. You take over the $223,346 balance, so the rest of the $380,000 price is paid at closing. A second mortgage can cover part of it. $167,506.37 is due at closing. Uses and sources reconcile at $390,852.36 each. Not a Closing Disclosure.