Follow the dollars · Assumption only
A complete cash picture for Nov 29, 2026
Your down payment$41,699Cash toward the purchase price.
Closing costs + prepaids$11,966Not just lender fees.
Before credits & paid funds$53,665The complete starting cash picture.
Estimated remaining funds due at closing
$53,665No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$41,699.21
Your down payment$41,699.21
Closing costs + prepaids$11,966.24
Total buyer cash needed$53,665.46
Remaining funds due$53,665.46
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)$1,640.75
Initial HOA (3 months)$213.00
Prepaid interest, first (2 days)$87.49
Fees + prepaids$11,966.24
Your down payment is the seller’s equity. You take over the $338,301 balance, so the rest of the $380,000 price is paid at closing. A second mortgage can cover part of it. $53,665.46 is due at closing. Uses and sources reconcile at $391,966.24 each. Not a Closing Disclosure.