Follow the dollars · Assumption only
A complete cash picture for Dec 2, 2026
Your down payment$377,532Cash toward the purchase price.
Closing costs + prepaids$12,507Not just lender fees.
Before credits & paid funds$390,039The complete starting cash picture.
Estimated remaining funds due at closing
$390,039No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$377,531.92
Your down payment$377,531.92
Closing costs + prepaids$12,507.39
Total buyer cash needed$390,039.30
Remaining funds due$390,039.30
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,450.00
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)$434.50
Initial HOA (3 months)$1,155.00
Prepaid interest, first (30 days)$242.89
Fees + prepaids$12,507.39
Your down payment is the seller’s equity. You take over the $67,468 balance, so the rest of the $445,000 price is paid at closing. A second mortgage can cover part of it. $390,039.30 is due at closing. Uses and sources reconcile at $457,507.39 each. Not a Closing Disclosure.