Follow the dollars · Assumption only
A complete cash picture for Dec 7, 2026
Your down payment$1,730Cash toward the purchase price.
Closing costs + prepaids$14,483Not just lender fees.
Before credits & paid funds$16,213The complete starting cash picture.
Estimated remaining funds due at closing
$16,213No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$1,730.06
Your down payment$1,730.06
Closing costs + prepaids$14,483.39
Total buyer cash needed$16,213.44
Remaining funds due$16,213.44
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,770.00
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)$1,547.00
Initial HOA (3 months)$1,155.00
Prepaid interest, first (25 days)$1,786.39
Fees + prepaids$14,483.39
Your down payment is the seller’s equity. You take over the $375,270 balance, so the rest of the $377,000 price is paid at closing. A second mortgage can cover part of it. $16,213.44 is due at closing. Uses and sources reconcile at $391,483.39 each. Not a Closing Disclosure.