Follow the dollars · Assumption only
A complete cash picture for Dec 8, 2026
Your down payment$8,516Cash toward the purchase price.
Closing costs + prepaids$12,290Not just lender fees.
Before credits & paid funds$20,806The complete starting cash picture.
Estimated remaining funds due at closing
$20,806No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$8,516.23
Your down payment$8,516.23
Closing costs + prepaids$12,289.85
Total buyer cash needed$20,806.08
Remaining funds due$20,806.08
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,790.00
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)$1,466.00
Initial HOA (3 months)$51.24
Prepaid interest, first (24 days)$757.61
Fees + prepaids$12,289.85
Your down payment is the seller’s equity. You take over the $370,484 balance, so the rest of the $379,000 price is paid at closing. A second mortgage can cover part of it. $20,806.08 is due at closing. Uses and sources reconcile at $391,289.85 each. Not a Closing Disclosure.