Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$75,906Cash toward the purchase price.
Closing costs + prepaids$13,773Not just lender fees.
Before credits & paid funds$89,679The complete starting cash picture.
Estimated remaining funds due at closing
$89,679No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$75,906.31
Your down payment$75,906.31
Closing costs + prepaids$13,772.61
Total buyer cash needed$89,678.92
Remaining funds due$89,678.92
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)$950.00
Initial HOA (3 months)$1,155.00
Prepaid interest, first (31 days)$1,642.61
Fees + prepaids$13,772.61
Your down payment is the seller’s equity. You take over the $304,094 balance, so the rest of the $380,000 price is paid at closing. A second mortgage can cover part of it. $89,678.92 is due at closing. Uses and sources reconcile at $393,772.61 each. Not a Closing Disclosure.