Follow the dollars · Assumption only
A complete cash picture for Dec 25, 2026
Your down payment$64,298Cash toward the purchase price.
Closing costs + prepaids$12,783Not just lender fees.
Before credits & paid funds$77,082The complete starting cash picture.
Estimated remaining funds due at closing
$77,082No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$64,298.38
Your down payment$64,298.38
Closing costs + prepaids$12,783.31
Total buyer cash needed$77,081.70
Remaining funds due$77,081.70
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)$456.00
Initial HOA (3 months)$1,890.00
Prepaid interest, first (7 days)$412.31
Fees + prepaids$12,783.31
Your down payment is the seller’s equity. You take over the $315,702 balance, so the rest of the $380,000 price is paid at closing. A second mortgage can cover part of it. $77,081.70 is due at closing. Uses and sources reconcile at $392,783.31 each. Not a Closing Disclosure.