Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$3,452Cash toward the purchase price.
Closing costs + prepaids$13,784Not just lender fees.
Before credits & paid funds$17,236The complete starting cash picture.
Estimated remaining funds due at closing
$17,236No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$3,451.78
Your down payment$3,451.78
Closing costs + prepaids$13,784.25
Total buyer cash needed$17,236.03
Remaining funds due$17,236.03
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,680.00
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)$543.00
Initial HOA (3 months)$1,605.00
Prepaid interest, first (27 days)$1,731.25
Fees + prepaids$13,784.25
Your down payment is the seller’s equity. You take over the $364,548 balance, so the rest of the $368,000 price is paid at closing. A second mortgage can cover part of it. $17,236.03 is due at closing. Uses and sources reconcile at $381,784.25 each. Not a Closing Disclosure.