Follow the dollars · Assumption only
A complete cash picture for Dec 10, 2026
Your down payment$24,130Cash toward the purchase price.
Closing costs + prepaids$12,528Not just lender fees.
Before credits & paid funds$36,658The complete starting cash picture.
Estimated remaining funds due at closing
$36,658No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$24,130.29
Your down payment$24,130.29
Closing costs + prepaids$12,527.94
Total buyer cash needed$36,658.22
Remaining funds due$36,658.22
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,650.00
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)$1,093.25
Initial HOA (3 months)$168.75
Prepaid interest, first (22 days)$1,390.94
Fees + prepaids$12,527.94
Your down payment is the seller’s equity. You take over the $340,870 balance, so the rest of the $365,000 price is paid at closing. A second mortgage can cover part of it. $36,658.22 is due at closing. Uses and sources reconcile at $377,527.94 each. Not a Closing Disclosure.