Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$209,611Cash toward the purchase price.
Closing costs + prepaids$11,476Not just lender fees.
Before credits & paid funds$221,086The complete starting cash picture.
Estimated remaining funds due at closing
$221,086No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$209,610.81
Your down payment$209,610.81
Closing costs + prepaids$11,475.64
Total buyer cash needed$221,086.45
Remaining funds due$221,086.45
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)$592.25
Initial HOA (3 months)$294.00
Prepaid interest, first (31 days)$564.39
Fees + prepaids$11,475.64
Your down payment is the seller’s equity. You take over the $170,389 balance, so the rest of the $380,000 price is paid at closing. A second mortgage can cover part of it. $221,086.45 is due at closing. Uses and sources reconcile at $391,475.64 each. Not a Closing Disclosure.