Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$122,120Cash toward the purchase price.
Closing costs + prepaids$11,380Not just lender fees.
Before credits & paid funds$133,500The complete starting cash picture.
Estimated remaining funds due at closing
$133,500No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$122,119.88
Your down payment$122,119.88
Closing costs + prepaids$11,379.69
Total buyer cash needed$133,499.57
Remaining funds due$133,499.57
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)$479.25
Initial HOA (3 months)$168.00
Prepaid interest, first (31 days)$707.44
Fees + prepaids$11,379.69
Your down payment is the seller’s equity. You take over the $257,880 balance, so the rest of the $380,000 price is paid at closing. A second mortgage can cover part of it. $133,499.57 is due at closing. Uses and sources reconcile at $391,379.69 each. Not a Closing Disclosure.