Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$15,193Cash toward the purchase price.
Closing costs + prepaids$12,411Not just lender fees.
Before credits & paid funds$27,604The complete starting cash picture.
Estimated remaining funds due at closing
$27,604No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$15,193.27
Your down payment$15,193.27
Closing costs + prepaids$12,411.07
Total buyer cash needed$27,604.33
Remaining funds due$27,604.33
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,640.00
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)$372.25
Initial HOA (3 months)$186.00
Prepaid interest, first (31 days)$1,987.82
Fees + prepaids$12,411.07
Your down payment is the seller’s equity. You take over the $348,807 balance, so the rest of the $364,000 price is paid at closing. A second mortgage can cover part of it. $27,604.33 is due at closing. Uses and sources reconcile at $376,411.07 each. Not a Closing Disclosure.