Follow the dollars · Assumption only
A complete cash picture for Dec 14, 2026
Your down payment$17,471Cash toward the purchase price.
Closing costs + prepaids$11,805Not just lender fees.
Before credits & paid funds$29,276The complete starting cash picture.
Estimated remaining funds due at closing
$29,276No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$17,470.81
Your down payment$17,470.81
Closing costs + prepaids$11,805.12
Total buyer cash needed$29,275.93
Remaining funds due$29,275.93
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,689.00
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)$590.50
Initial HOA (3 months)$84.00
Prepaid interest, first (18 days)$1,216.62
Fees + prepaids$11,805.12
Your down payment is the seller’s equity. You take over the $351,429 balance, so the rest of the $368,900 price is paid at closing. A second mortgage can cover part of it. $29,275.93 is due at closing. Uses and sources reconcile at $380,705.12 each. Not a Closing Disclosure.