Follow the dollars · Assumption only
A complete cash picture for Dec 20, 2026
Your down payment$110,557Cash toward the purchase price.
Closing costs + prepaids$12,185Not just lender fees.
Before credits & paid funds$122,742The complete starting cash picture.
Estimated remaining funds due at closing
$122,742No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$110,557.08
Your down payment$110,557.08
Closing costs + prepaids$12,185.22
Total buyer cash needed$122,742.30
Remaining funds due$122,742.30
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)$1,380.00
Prepaid interest, first (12 days)$324.22
Fees + prepaids$12,185.22
Your down payment is the seller’s equity. You take over the $269,443 balance, so the rest of the $380,000 price is paid at closing. A second mortgage can cover part of it. $122,742.30 is due at closing. Uses and sources reconcile at $392,185.22 each. Not a Closing Disclosure.