Follow the dollars · Assumption only
A complete cash picture for Dec 11, 2026
Your down payment$262,205Cash toward the purchase price.
Closing costs + prepaids$10,547Not just lender fees.
Before credits & paid funds$272,752The complete starting cash picture.
Estimated remaining funds due at closing
$272,752No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$262,204.81
Your down payment$262,204.81
Closing costs + prepaids$10,546.73
Total buyer cash needed$272,751.53
Remaining funds due$272,751.53
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)$273.00
Prepaid interest, first (21 days)$248.73
Fees + prepaids$10,546.73
Your down payment is the seller’s equity. You take over the $117,795 balance, so the rest of the $380,000 price is paid at closing. A second mortgage can cover part of it. $272,751.53 is due at closing. Uses and sources reconcile at $390,546.73 each. Not a Closing Disclosure.