Follow the dollars · Assumption only
A complete cash picture for Dec 9, 2026
Your down payment$9,330Cash toward the purchase price.
Closing costs + prepaids$12,595Not just lender fees.
Before credits & paid funds$21,925The complete starting cash picture.
Estimated remaining funds due at closing
$21,925No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$9,330.03
Your down payment$9,330.03
Closing costs + prepaids$12,594.67
Total buyer cash needed$21,924.70
Remaining funds due$21,924.70
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,690.00
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)$652.25
Initial HOA (3 months)$450.00
Prepaid interest, first (23 days)$1,577.42
Fees + prepaids$12,594.67
Your down payment is the seller’s equity. You take over the $359,670 balance, so the rest of the $369,000 price is paid at closing. A second mortgage can cover part of it. $21,924.70 is due at closing. Uses and sources reconcile at $381,594.67 each. Not a Closing Disclosure.