Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$367,078Cash toward the purchase price.
Closing costs + prepaids$12,074Not just lender fees.
Before credits & paid funds$379,152The complete starting cash picture.
Estimated remaining funds due at closing
$379,152No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$367,077.83
Your down payment$367,077.83
Closing costs + prepaids$12,073.82
Total buyer cash needed$379,151.65
Remaining funds due$379,151.65
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,800.00
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)$454.25
Initial HOA (3 months)$336.00
Prepaid interest, first (1 days)$8.57
Fees + prepaids$12,073.82
Your down payment is the seller’s equity. You take over the $112,922 balance, so the rest of the $480,000 price is paid at closing. A second mortgage can cover part of it. $379,151.65 is due at closing. Uses and sources reconcile at $492,073.82 each. Not a Closing Disclosure.