Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$362,109Cash toward the purchase price.
Closing costs + prepaids$18,160Not just lender fees.
Before credits & paid funds$380,269The complete starting cash picture.
Estimated remaining funds due at closing
$380,269No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$362,108.98
Your down payment$362,108.98
Closing costs + prepaids$18,160.46
Total buyer cash needed$380,269.45
Remaining funds due$380,269.45
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$8,390.00
Title & settlement$1,825.00
Recording fee$100.00
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$2,287.25
Initial HOA (3 months)$210.00
Prepaid interest, first (1 days)$48.21
Fees + prepaids$18,160.46
Your down payment is the seller’s equity. You take over the $476,891 balance, so the rest of the $839,000 price is paid at closing. A second mortgage can cover part of it. $380,269.45 is due at closing. Uses and sources reconcile at $857,160.46 each. Not a Closing Disclosure.