Follow the dollars · Assumption only
A complete cash picture for Dec 3, 2026
Your down payment$355Cash toward the purchase price.
Closing costs + prepaids$13,424Not just lender fees.
Before credits & paid funds$13,780The complete starting cash picture.
Estimated remaining funds due at closing
$13,780No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$355.49
Your down payment$355.49
Closing costs + prepaids$13,424.27
Total buyer cash needed$13,779.76
Remaining funds due$13,779.76
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,850.00
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)$917.50
Initial HOA (3 months)$537.00
Prepaid interest, first (29 days)$1,894.77
Fees + prepaids$13,424.27
Your down payment is the seller’s equity. You take over the $384,645 balance, so the rest of the $385,000 price is paid at closing. A second mortgage can cover part of it. $13,779.76 is due at closing. Uses and sources reconcile at $398,424.27 each. Not a Closing Disclosure.