Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$11,731Cash toward the purchase price.
Closing costs + prepaids$12,723Not just lender fees.
Before credits & paid funds$24,454The complete starting cash picture.
Estimated remaining funds due at closing
$24,454No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$11,730.59
Your down payment$11,730.59
Closing costs + prepaids$12,723.47
Total buyer cash needed$24,454.06
Remaining funds due$24,454.06
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,660.00
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)$720.50
Initial HOA (3 months)$750.00
Prepaid interest, first (27 days)$1,367.97
Fees + prepaids$12,723.47
Your down payment is the seller’s equity. You take over the $354,269 balance, so the rest of the $366,000 price is paid at closing. A second mortgage can cover part of it. $24,454.06 is due at closing. Uses and sources reconcile at $378,723.47 each. Not a Closing Disclosure.