Follow the dollars · Assumption only
A complete cash picture for Dec 16, 2026
Your down payment$14,140Cash toward the purchase price.
Closing costs + prepaids$11,301Not just lender fees.
Before credits & paid funds$25,441The complete starting cash picture.
Estimated remaining funds due at closing
$25,441No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$14,139.69
Your down payment$14,139.69
Closing costs + prepaids$11,300.86
Total buyer cash needed$25,440.55
Remaining funds due$25,440.55
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,749.00
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)$468.75
Initial HOA (3 months)$50.01
Prepaid interest, first (16 days)$808.10
Fees + prepaids$11,300.86
Your down payment is the seller’s equity. You take over the $360,760 balance, so the rest of the $374,900 price is paid at closing. A second mortgage can cover part of it. $25,440.55 is due at closing. Uses and sources reconcile at $386,200.86 each. Not a Closing Disclosure.