Follow the dollars · Assumption only
A complete cash picture for Dec 2, 2026
Your down payment$322,323Cash toward the purchase price.
Closing costs + prepaids$11,358Not just lender fees.
Before credits & paid funds$333,681The complete starting cash picture.
Estimated remaining funds due at closing
$333,681No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$322,323.01
Your down payment$322,323.01
Closing costs + prepaids$11,357.67
Total buyer cash needed$333,680.68
Remaining funds due$333,680.68
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)$904.75
Initial HOA (3 months)$198.00
Prepaid interest, first (30 days)$229.92
Fees + prepaids$11,357.67
Your down payment is the seller’s equity. You take over the $57,677 balance, so the rest of the $380,000 price is paid at closing. A second mortgage can cover part of it. $333,680.68 is due at closing. Uses and sources reconcile at $391,357.67 each. Not a Closing Disclosure.