Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$6,923Cash toward the purchase price.
Closing costs + prepaids$13,430Not just lender fees.
Before credits & paid funds$20,354The complete starting cash picture.
Estimated remaining funds due at closing
$20,354No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$6,923.46
Your down payment$6,923.46
Closing costs + prepaids$13,430.39
Total buyer cash needed$20,353.85
Remaining funds due$20,353.85
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,650.00
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)$1,676.25
Initial HOA (3 months)$24.99
Prepaid interest, first (28 days)$1,854.15
Fees + prepaids$13,430.39
Your down payment is the seller’s equity. You take over the $358,077 balance, so the rest of the $365,000 price is paid at closing. A second mortgage can cover part of it. $20,353.85 is due at closing. Uses and sources reconcile at $378,430.39 each. Not a Closing Disclosure.