Follow the dollars · Assumption only
A complete cash picture for Dec 8, 2026
Your down payment$25,722Cash toward the purchase price.
Closing costs + prepaids$12,184Not just lender fees.
Before credits & paid funds$37,906The complete starting cash picture.
Estimated remaining funds due at closing
$37,906No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$25,722.36
Your down payment$25,722.36
Closing costs + prepaids$12,184.08
Total buyer cash needed$37,906.44
Remaining funds due$37,906.44
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,870.00
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)$505.00
Initial HOA (3 months)$39.99
Prepaid interest, first (24 days)$1,544.09
Fees + prepaids$12,184.08
Your down payment is the seller’s equity. You take over the $361,278 balance, so the rest of the $387,000 price is paid at closing. A second mortgage can cover part of it. $37,906.44 is due at closing. Uses and sources reconcile at $399,184.08 each. Not a Closing Disclosure.