Follow the dollars · Assumption only
A complete cash picture for Dec 7, 2026
Your down payment$22,793Cash toward the purchase price.
Closing costs + prepaids$13,675Not just lender fees.
Before credits & paid funds$36,468The complete starting cash picture.
Estimated remaining funds due at closing
$36,468No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$22,792.58
Your down payment$22,792.58
Closing costs + prepaids$13,675.47
Total buyer cash needed$36,468.05
Remaining funds due$36,468.05
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)$1,260.25
Initial HOA (3 months)$966.00
Prepaid interest, first (25 days)$1,534.22
Fees + prepaids$13,675.47
Your down payment is the seller’s equity. You take over the $346,207 balance, so the rest of the $369,000 price is paid at closing. A second mortgage can cover part of it. $36,468.05 is due at closing. Uses and sources reconcile at $382,675.47 each. Not a Closing Disclosure.