Follow the dollars · Assumption only
A complete cash picture for Dec 14, 2026
Your down payment$26,666Cash toward the purchase price.
Closing costs + prepaids$12,088Not just lender fees.
Before credits & paid funds$38,754The complete starting cash picture.
Estimated remaining funds due at closing
$38,754No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$26,665.85
Your down payment$26,665.85
Closing costs + prepaids$12,088.37
Total buyer cash needed$38,754.23
Remaining funds due$38,754.23
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,620.00
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)$1,071.25
Initial HOA (3 months)$62.49
Prepaid interest, first (18 days)$1,109.63
Fees + prepaids$12,088.37
Your down payment is the seller’s equity. You take over the $335,334 balance, so the rest of the $362,000 price is paid at closing. A second mortgage can cover part of it. $38,754.23 is due at closing. Uses and sources reconcile at $374,088.37 each. Not a Closing Disclosure.