Follow the dollars · Assumption only
A complete cash picture for Dec 2, 2026
Your down payment$377,820Cash toward the purchase price.
Closing costs + prepaids$12,240Not just lender fees.
Before credits & paid funds$390,060The complete starting cash picture.
Estimated remaining funds due at closing
$390,060No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$377,820.19
Your down payment$377,820.19
Closing costs + prepaids$12,239.82
Total buyer cash needed$390,060.01
Remaining funds due$390,060.01
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,649.90
Title & settlement$1,825.00
Recording fee$100.00
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$226.00
Initial HOA (3 months)$492.00
Prepaid interest, first (30 days)$396.92
Fees + prepaids$12,239.82
Your down payment is the seller’s equity. You take over the $87,170 balance, so the rest of the $464,990 price is paid at closing. A second mortgage can cover part of it. $390,060.01 is due at closing. Uses and sources reconcile at $477,229.82 each. Not a Closing Disclosure.