Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$5,952Cash toward the purchase price.
Closing costs + prepaids$12,944Not just lender fees.
Before credits & paid funds$18,895The complete starting cash picture.
Estimated remaining funds due at closing
$18,895No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$5,951.65
Your down payment$5,951.65
Closing costs + prepaids$12,943.75
Total buyer cash needed$18,895.41
Remaining funds due$18,895.41
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,689.00
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)$608.25
Initial HOA (3 months)$741.00
Prepaid interest, first (26 days)$1,680.50
Fees + prepaids$12,943.75
Your down payment is the seller’s equity. You take over the $362,948 balance, so the rest of the $368,900 price is paid at closing. A second mortgage can cover part of it. $18,895.41 is due at closing. Uses and sources reconcile at $381,843.75 each. Not a Closing Disclosure.