Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$45,865Cash toward the purchase price.
Closing costs + prepaids$10,563Not just lender fees.
Before credits & paid funds$56,428The complete starting cash picture.
Estimated remaining funds due at closing
$56,428No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$45,865.23
Your down payment$45,865.23
Closing costs + prepaids$10,563.04
Total buyer cash needed$56,428.27
Remaining funds due$56,428.27
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)$267.00
Initial HOA (3 months)$213.00
Prepaid interest, first (1 days)$58.04
Fees + prepaids$10,563.04
Your down payment is the seller’s equity. You take over the $334,135 balance, so the rest of the $380,000 price is paid at closing. A second mortgage can cover part of it. $56,428.27 is due at closing. Uses and sources reconcile at $390,563.04 each. Not a Closing Disclosure.