Follow the dollars · Assumption only
A complete cash picture for Dec 8, 2026
Your down payment$19,483Cash toward the purchase price.
Closing costs + prepaids$12,879Not just lender fees.
Before credits & paid funds$32,363The complete starting cash picture.
Estimated remaining funds due at closing
$32,363No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$19,483.21
Your down payment$19,483.21
Closing costs + prepaids$12,879.48
Total buyer cash needed$32,362.68
Remaining funds due$32,362.68
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,700.00
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)$1,080.50
Initial HOA (3 months)$339.00
Prepaid interest, first (24 days)$1,534.98
Fees + prepaids$12,879.48
Your down payment is the seller’s equity. You take over the $350,517 balance, so the rest of the $370,000 price is paid at closing. A second mortgage can cover part of it. $32,362.68 is due at closing. Uses and sources reconcile at $382,879.48 each. Not a Closing Disclosure.