Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$143,314Cash toward the purchase price.
Closing costs + prepaids$11,370Not just lender fees.
Before credits & paid funds$154,684The complete starting cash picture.
Estimated remaining funds due at closing
$154,684No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$143,314.22
Your down payment$143,314.22
Closing costs + prepaids$11,369.62
Total buyer cash needed$154,683.84
Remaining funds due$154,683.84
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)$536.75
Initial HOA (3 months)$243.00
Prepaid interest, first (31 days)$564.87
Fees + prepaids$11,369.62
Your down payment is the seller’s equity. You take over the $236,686 balance, so the rest of the $380,000 price is paid at closing. A second mortgage can cover part of it. $154,683.84 is due at closing. Uses and sources reconcile at $391,369.62 each. Not a Closing Disclosure.