Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$294,610Cash toward the purchase price.
Closing costs + prepaids$10,742Not just lender fees.
Before credits & paid funds$305,353The complete starting cash picture.
Estimated remaining funds due at closing
$305,353No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$294,610.42
Your down payment$294,610.42
Closing costs + prepaids$10,742.20
Total buyer cash needed$305,352.62
Remaining funds due$305,352.62
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)$462.50
Initial HOA (3 months)$243.00
Prepaid interest, first (1 days)$11.70
Fees + prepaids$10,742.20
Your down payment is the seller’s equity. You take over the $85,390 balance, so the rest of the $380,000 price is paid at closing. A second mortgage can cover part of it. $305,352.62 is due at closing. Uses and sources reconcile at $390,742.20 each. Not a Closing Disclosure.