Follow the dollars · Assumption only
A complete cash picture for Nov 29, 2026
Your down payment$149,142Cash toward the purchase price.
Closing costs + prepaids$10,635Not just lender fees.
Before credits & paid funds$159,777The complete starting cash picture.
Estimated remaining funds due at closing
$159,777No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$149,142.46
Your down payment$149,142.46
Closing costs + prepaids$10,634.80
Total buyer cash needed$159,777.26
Remaining funds due$159,777.26
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)$411.50
Initial HOA (3 months)$162.00
Prepaid interest, first (2 days)$36.30
Fees + prepaids$10,634.80
Your down payment is the seller’s equity. You take over the $230,858 balance, so the rest of the $380,000 price is paid at closing. A second mortgage can cover part of it. $159,777.26 is due at closing. Uses and sources reconcile at $390,634.80 each. Not a Closing Disclosure.