Follow the dollars · Assumption only
A complete cash picture for Dec 15, 2026
Your down payment$27,113Cash toward the purchase price.
Closing costs + prepaids$11,486Not just lender fees.
Before credits & paid funds$38,598The complete starting cash picture.
Estimated remaining funds due at closing
$38,598No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$27,112.75
Your down payment$27,112.75
Closing costs + prepaids$11,485.56
Total buyer cash needed$38,598.31
Remaining funds due$38,598.31
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,709.99
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)$463.75
Initial HOA (3 months)$105.00
Prepaid interest, first (17 days)$981.82
Fees + prepaids$11,485.56
Your down payment is the seller’s equity. You take over the $343,886 balance, so the rest of the $370,999 price is paid at closing. A second mortgage can cover part of it. $38,598.31 is due at closing. Uses and sources reconcile at $382,484.56 each. Not a Closing Disclosure.