Follow the dollars · Assumption only
A complete cash picture for Dec 7, 2026
Your down payment$14,722Cash toward the purchase price.
Closing costs + prepaids$13,684Not just lender fees.
Before credits & paid funds$28,406The complete starting cash picture.
Estimated remaining funds due at closing
$28,406No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$14,722.03
Your down payment$14,722.03
Closing costs + prepaids$13,683.60
Total buyer cash needed$28,405.63
Remaining funds due$28,405.63
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,799.00
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)$949.75
Initial HOA (3 months)$969.00
Prepaid interest, first (25 days)$1,740.85
Fees + prepaids$13,683.60
Your down payment is the seller’s equity. You take over the $365,178 balance, so the rest of the $379,900 price is paid at closing. A second mortgage can cover part of it. $28,405.63 is due at closing. Uses and sources reconcile at $393,583.60 each. Not a Closing Disclosure.