Follow the dollars · Assumption only
A complete cash picture for Dec 10, 2026
Your down payment$19,679Cash toward the purchase price.
Closing costs + prepaids$12,028Not just lender fees.
Before credits & paid funds$31,707The complete starting cash picture.
Estimated remaining funds due at closing
$31,707No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$19,678.81
Your down payment$19,678.81
Closing costs + prepaids$12,028.28
Total buyer cash needed$31,707.08
Remaining funds due$31,707.08
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,850.00
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)$362.25
Initial HOA (3 months)$195.00
Prepaid interest, first (22 days)$1,396.03
Fees + prepaids$12,028.28
Your down payment is the seller’s equity. You take over the $365,321 balance, so the rest of the $385,000 price is paid at closing. A second mortgage can cover part of it. $31,707.08 is due at closing. Uses and sources reconcile at $397,028.28 each. Not a Closing Disclosure.