Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$368,219Cash toward the purchase price.
Closing costs + prepaids$10,941Not just lender fees.
Before credits & paid funds$379,160The complete starting cash picture.
Estimated remaining funds due at closing
$379,160No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$368,218.84
Your down payment$368,218.84
Closing costs + prepaids$10,940.68
Total buyer cash needed$379,159.52
Remaining funds due$379,159.52
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,999.00
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)$328.50
Initial HOA (3 months)$318.00
Prepaid interest, first (26 days)$70.18
Fees + prepaids$10,940.68
Your down payment is the seller’s equity. You take over the $31,681 balance, so the rest of the $399,900 price is paid at closing. A second mortgage can cover part of it. $379,159.52 is due at closing. Uses and sources reconcile at $410,840.68 each. Not a Closing Disclosure.