Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$7,262Cash toward the purchase price.
Closing costs + prepaids$12,507Not just lender fees.
Before credits & paid funds$19,769The complete starting cash picture.
Estimated remaining funds due at closing
$19,769No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$7,261.71
Your down payment$7,261.71
Closing costs + prepaids$12,506.94
Total buyer cash needed$19,768.65
Remaining funds due$19,768.65
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,649.90
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)$687.00
Initial HOA (3 months)$225.00
Prepaid interest, first (27 days)$1,720.04
Fees + prepaids$12,506.94
Your down payment is the seller’s equity. You take over the $357,728 balance, so the rest of the $364,990 price is paid at closing. A second mortgage can cover part of it. $19,768.65 is due at closing. Uses and sources reconcile at $377,496.94 each. Not a Closing Disclosure.