Follow the dollars · Assumption only
A complete cash picture for Dec 17, 2026
Your down payment$7,184Cash toward the purchase price.
Closing costs + prepaids$12,322Not just lender fees.
Before credits & paid funds$19,506The complete starting cash picture.
Estimated remaining funds due at closing
$19,506No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$7,184.13
Your down payment$7,184.13
Closing costs + prepaids$12,322.05
Total buyer cash needed$19,506.18
Remaining funds due$19,506.18
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,670.00
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)$458.75
Initial HOA (3 months)$948.00
Prepaid interest, first (15 days)$1,020.30
Fees + prepaids$12,322.05
Your down payment is the seller’s equity. You take over the $359,816 balance, so the rest of the $367,000 price is paid at closing. A second mortgage can cover part of it. $19,506.18 is due at closing. Uses and sources reconcile at $379,322.05 each. Not a Closing Disclosure.