Follow the dollars · Assumption only
A complete cash picture for Dec 2, 2026
Your down payment$380,465Cash toward the purchase price.
Closing costs + prepaids$11,673Not just lender fees.
Before credits & paid funds$392,139The complete starting cash picture.
Estimated remaining funds due at closing
$392,139No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$380,465.24
Your down payment$380,465.24
Closing costs + prepaids$11,673.47
Total buyer cash needed$392,138.71
Remaining funds due$392,138.71
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,890.00
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)$1,481.00
Initial HOA (3 months)$34.26
Prepaid interest, first (30 days)$43.21
Fees + prepaids$11,673.47
Your down payment is the seller’s equity. You take over the $8,535 balance, so the rest of the $389,000 price is paid at closing. A second mortgage can cover part of it. $392,138.71 is due at closing. Uses and sources reconcile at $400,673.47 each. Not a Closing Disclosure.