Follow the dollars · Assumption only
A complete cash picture for Dec 8, 2026
Your down payment$3,508Cash toward the purchase price.
Closing costs + prepaids$13,673Not just lender fees.
Before credits & paid funds$17,182The complete starting cash picture.
Estimated remaining funds due at closing
$17,182No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$3,508.37
Your down payment$3,508.37
Closing costs + prepaids$13,673.20
Total buyer cash needed$17,181.56
Remaining funds due$17,181.56
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)$2,122.75
Initial HOA (3 months)$39.24
Prepaid interest, first (24 days)$1,496.21
Fees + prepaids$13,673.20
Your down payment is the seller’s equity. You take over the $375,492 balance, so the rest of the $379,000 price is paid at closing. A second mortgage can cover part of it. $17,181.56 is due at closing. Uses and sources reconcile at $392,673.20 each. Not a Closing Disclosure.