Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$14,608Cash toward the purchase price.
Closing costs + prepaids$13,389Not just lender fees.
Before credits & paid funds$27,997The complete starting cash picture.
Estimated remaining funds due at closing
$27,997No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$14,608.13
Your down payment$14,608.13
Closing costs + prepaids$13,388.69
Total buyer cash needed$27,996.83
Remaining funds due$27,996.83
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,700.00
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)$1,057.00
Initial HOA (3 months)$324.00
Prepaid interest, first (31 days)$2,082.69
Fees + prepaids$13,388.69
Your down payment is the seller’s equity. You take over the $355,392 balance, so the rest of the $370,000 price is paid at closing. A second mortgage can cover part of it. $27,996.83 is due at closing. Uses and sources reconcile at $383,388.69 each. Not a Closing Disclosure.