Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$12,081Cash toward the purchase price.
Closing costs + prepaids$12,826Not just lender fees.
Before credits & paid funds$24,906The complete starting cash picture.
Estimated remaining funds due at closing
$24,906No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$12,080.74
Your down payment$12,080.74
Closing costs + prepaids$12,825.72
Total buyer cash needed$24,906.46
Remaining funds due$24,906.46
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,699.90
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)$606.25
Initial HOA (3 months)$339.99
Prepaid interest, first (31 days)$1,954.58
Fees + prepaids$12,825.72
Your down payment is the seller’s equity. You take over the $357,909 balance, so the rest of the $369,990 price is paid at closing. A second mortgage can cover part of it. $24,906.46 is due at closing. Uses and sources reconcile at $382,815.72 each. Not a Closing Disclosure.