Follow the dollars · Assumption only
A complete cash picture for Dec 17, 2026
Your down payment$26,206Cash toward the purchase price.
Closing costs + prepaids$11,560Not just lender fees.
Before credits & paid funds$37,766The complete starting cash picture.
Estimated remaining funds due at closing
$37,766No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$26,205.63
Your down payment$26,205.63
Closing costs + prepaids$11,560.22
Total buyer cash needed$37,765.85
Remaining funds due$37,765.85
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)$462.50
Initial HOA (3 months)$390.00
Prepaid interest, first (15 days)$782.72
Fees + prepaids$11,560.22
Your down payment is the seller’s equity. You take over the $343,794 balance, so the rest of the $370,000 price is paid at closing. A second mortgage can cover part of it. $37,765.85 is due at closing. Uses and sources reconcile at $381,560.22 each. Not a Closing Disclosure.