Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$308,048Cash toward the purchase price.
Closing costs + prepaids$11,189Not just lender fees.
Before credits & paid funds$319,236The complete starting cash picture.
Estimated remaining funds due at closing
$319,236No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$308,047.53
Your down payment$308,047.53
Closing costs + prepaids$11,188.79
Total buyer cash needed$319,236.33
Remaining funds due$319,236.33
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)$754.75
Initial HOA (3 months)$174.99
Prepaid interest, first (31 days)$234.05
Fees + prepaids$11,188.79
Your down payment is the seller’s equity. You take over the $71,952 balance, so the rest of the $380,000 price is paid at closing. A second mortgage can cover part of it. $319,236.33 is due at closing. Uses and sources reconcile at $391,188.79 each. Not a Closing Disclosure.