Follow the dollars · Assumption only
A complete cash picture for Dec 7, 2026
Your down payment$9,317Cash toward the purchase price.
Closing costs + prepaids$13,293Not just lender fees.
Before credits & paid funds$22,611The complete starting cash picture.
Estimated remaining funds due at closing
$22,611No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$9,317.40
Your down payment$9,317.40
Closing costs + prepaids$13,293.42
Total buyer cash needed$22,610.82
Remaining funds due$22,610.82
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,699.00
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)$959.75
Initial HOA (3 months)$750.00
Prepaid interest, first (25 days)$1,659.67
Fees + prepaids$13,293.42
Your down payment is the seller’s equity. You take over the $360,583 balance, so the rest of the $369,900 price is paid at closing. A second mortgage can cover part of it. $22,610.82 is due at closing. Uses and sources reconcile at $383,193.42 each. Not a Closing Disclosure.