Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$3,663Cash toward the purchase price.
Closing costs + prepaids$13,841Not just lender fees.
Before credits & paid funds$17,504The complete starting cash picture.
Estimated remaining funds due at closing
$17,504No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$3,662.75
Your down payment$3,662.75
Closing costs + prepaids$13,841.17
Total buyer cash needed$17,503.92
Remaining funds due$17,503.92
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)$1,845.75
Initial HOA (3 months)$33.75
Prepaid interest, first (26 days)$1,937.67
Fees + prepaids$13,841.17
Your down payment is the seller’s equity. You take over the $376,237 balance, so the rest of the $379,900 price is paid at closing. A second mortgage can cover part of it. $17,503.92 is due at closing. Uses and sources reconcile at $393,741.17 each. Not a Closing Disclosure.