Follow the dollars · Assumption only
A complete cash picture for Dec 9, 2026
Your down payment$13,308Cash toward the purchase price.
Closing costs + prepaids$12,417Not just lender fees.
Before credits & paid funds$25,725The complete starting cash picture.
Estimated remaining funds due at closing
$25,725No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$13,307.91
Your down payment$13,307.91
Closing costs + prepaids$12,416.77
Total buyer cash needed$25,724.68
Remaining funds due$25,724.68
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,690.00
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)$1,015.25
Initial HOA (3 months)$69.99
Prepaid interest, first (23 days)$1,416.53
Fees + prepaids$12,416.77
Your down payment is the seller’s equity. You take over the $355,692 balance, so the rest of the $369,000 price is paid at closing. A second mortgage can cover part of it. $25,724.68 is due at closing. Uses and sources reconcile at $381,416.77 each. Not a Closing Disclosure.