Follow the dollars · Assumption only
A complete cash picture for Dec 23, 2026
Your down payment$353,150Cash toward the purchase price.
Closing costs + prepaids$11,498Not just lender fees.
Before credits & paid funds$364,648The complete starting cash picture.
Estimated remaining funds due at closing
$364,648No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$353,149.73
Your down payment$353,149.73
Closing costs + prepaids$11,497.78
Total buyer cash needed$364,647.50
Remaining funds due$364,647.50
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)$975.00
Prepaid interest, first (9 days)$41.78
Fees + prepaids$11,497.78
Your down payment is the seller’s equity. You take over the $26,850 balance, so the rest of the $380,000 price is paid at closing. A second mortgage can cover part of it. $364,647.50 is due at closing. Uses and sources reconcile at $391,497.78 each. Not a Closing Disclosure.