Follow the dollars · Assumption only
A complete cash picture for Dec 8, 2026
Your down payment$16,871Cash toward the purchase price.
Closing costs + prepaids$13,552Not just lender fees.
Before credits & paid funds$30,423The complete starting cash picture.
Estimated remaining funds due at closing
$30,423No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$16,870.57
Your down payment$16,870.57
Closing costs + prepaids$13,551.94
Total buyer cash needed$30,422.51
Remaining funds due$30,422.51
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,849.99
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)$1,242.25
Initial HOA (3 months)$717.00
Prepaid interest, first (24 days)$1,517.70
Fees + prepaids$13,551.94
Your down payment is the seller’s equity. You take over the $368,128 balance, so the rest of the $384,999 price is paid at closing. A second mortgage can cover part of it. $30,422.51 is due at closing. Uses and sources reconcile at $398,550.94 each. Not a Closing Disclosure.