Follow the dollars · Assumption only
A complete cash picture for Dec 20, 2026
Your down payment$367,810Cash toward the purchase price.
Closing costs + prepaids$12,356Not just lender fees.
Before credits & paid funds$380,166The complete starting cash picture.
Estimated remaining funds due at closing
$380,166No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$367,810.19
Your down payment$367,810.19
Closing costs + prepaids$12,356.00
Total buyer cash needed$380,166.20
Remaining funds due$380,166.20
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,749.00
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)$450.00
Initial HOA (3 months)$1,920.00
Prepaid interest, first (12 days)$12.00
Fees + prepaids$12,356.00
Your down payment is the seller’s equity. You take over the $7,090 balance, so the rest of the $374,900 price is paid at closing. A second mortgage can cover part of it. $380,166.20 is due at closing. Uses and sources reconcile at $387,256.00 each. Not a Closing Disclosure.