Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$21,224Cash toward the purchase price.
Closing costs + prepaids$12,822Not just lender fees.
Before credits & paid funds$34,046The complete starting cash picture.
Estimated remaining funds due at closing
$34,046No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$21,224.05
Your down payment$21,224.05
Closing costs + prepaids$12,821.76
Total buyer cash needed$34,045.82
Remaining funds due$34,045.82
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)$376.00
Initial HOA (3 months)$300.00
Prepaid interest, first (31 days)$2,171.76
Fees + prepaids$12,821.76
Your down payment is the seller’s equity. You take over the $353,676 balance, so the rest of the $374,900 price is paid at closing. A second mortgage can cover part of it. $34,045.82 is due at closing. Uses and sources reconcile at $387,721.76 each. Not a Closing Disclosure.