Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$20,222Cash toward the purchase price.
Closing costs + prepaids$11,706Not just lender fees.
Before credits & paid funds$31,928The complete starting cash picture.
Estimated remaining funds due at closing
$31,928No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$20,221.68
Your down payment$20,221.68
Closing costs + prepaids$11,706.23
Total buyer cash needed$31,927.91
Remaining funds due$31,927.91
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,630.00
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)$688.75
Initial HOA (3 months)$9.99
Prepaid interest, first (26 days)$1,152.49
Fees + prepaids$11,706.23
Your down payment is the seller’s equity. You take over the $342,778 balance, so the rest of the $363,000 price is paid at closing. A second mortgage can cover part of it. $31,927.91 is due at closing. Uses and sources reconcile at $374,706.23 each. Not a Closing Disclosure.