Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$24,664Cash toward the purchase price.
Closing costs + prepaids$12,595Not just lender fees.
Before credits & paid funds$37,260The complete starting cash picture.
Estimated remaining funds due at closing
$37,260No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$24,664.40
Your down payment$24,664.40
Closing costs + prepaids$12,595.49
Total buyer cash needed$37,259.89
Remaining funds due$37,259.89
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,790.00
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)$12.50
Initial HOA (3 months)$657.00
Prepaid interest, first (31 days)$1,910.99
Fees + prepaids$12,595.49
Your down payment is the seller’s equity. You take over the $354,336 balance, so the rest of the $379,000 price is paid at closing. A second mortgage can cover part of it. $37,259.89 is due at closing. Uses and sources reconcile at $391,595.49 each. Not a Closing Disclosure.