Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$12,956Cash toward the purchase price.
Closing costs + prepaids$13,017Not just lender fees.
Before credits & paid funds$25,973The complete starting cash picture.
Estimated remaining funds due at closing
$25,973No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$12,956.23
Your down payment$12,956.23
Closing costs + prepaids$13,016.56
Total buyer cash needed$25,972.78
Remaining funds due$25,972.78
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,749.00
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)$979.75
Initial HOA (3 months)$240.00
Prepaid interest, first (26 days)$1,822.81
Fees + prepaids$13,016.56
Your down payment is the seller’s equity. You take over the $361,944 balance, so the rest of the $374,900 price is paid at closing. A second mortgage can cover part of it. $25,972.78 is due at closing. Uses and sources reconcile at $387,916.56 each. Not a Closing Disclosure.