Follow the dollars · Assumption only
A complete cash picture for Dec 26, 2026
Your down payment$357,474Cash toward the purchase price.
Closing costs + prepaids$11,434Not just lender fees.
Before credits & paid funds$368,909The complete starting cash picture.
Estimated remaining funds due at closing
$368,909No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$357,474.45
Your down payment$357,474.45
Closing costs + prepaids$11,434.07
Total buyer cash needed$368,908.52
Remaining funds due$368,908.52
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)$924.00
Prepaid interest, first (6 days)$29.07
Fees + prepaids$11,434.07
Your down payment is the seller’s equity. You take over the $22,526 balance, so the rest of the $380,000 price is paid at closing. A second mortgage can cover part of it. $368,908.52 is due at closing. Uses and sources reconcile at $391,434.07 each. Not a Closing Disclosure.