Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$18,614Cash toward the purchase price.
Closing costs + prepaids$13,760Not just lender fees.
Before credits & paid funds$32,374The complete starting cash picture.
Estimated remaining funds due at closing
$32,374No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$18,614.02
Your down payment$18,614.02
Closing costs + prepaids$13,760.41
Total buyer cash needed$32,374.43
Remaining funds due$32,374.43
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,759.00
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)$1,964.50
Initial HOA (3 months)$57.00
Prepaid interest, first (27 days)$1,754.91
Fees + prepaids$13,760.41
Your down payment is the seller’s equity. You take over the $357,286 balance, so the rest of the $375,900 price is paid at closing. A second mortgage can cover part of it. $32,374.43 is due at closing. Uses and sources reconcile at $389,660.41 each. Not a Closing Disclosure.