Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$18,500Cash toward the purchase price.
Closing costs + prepaids$11,686Not just lender fees.
Before credits & paid funds$30,185The complete starting cash picture.
Estimated remaining funds due at closing
$30,185No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$18,499.54
Your down payment$18,499.54
Closing costs + prepaids$11,685.85
Total buyer cash needed$30,185.39
Remaining funds due$30,185.39
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)$484.75
Initial HOA (3 months)$225.00
Prepaid interest, first (26 days)$1,061.10
Fees + prepaids$11,685.85
Your down payment is the seller’s equity. You take over the $350,500 balance, so the rest of the $369,000 price is paid at closing. A second mortgage can cover part of it. $30,185.39 is due at closing. Uses and sources reconcile at $380,685.85 each. Not a Closing Disclosure.