Follow the dollars · Assumption only
A complete cash picture for Dec 22, 2026
Your down payment$7,817Cash toward the purchase price.
Closing costs + prepaids$11,051Not just lender fees.
Before credits & paid funds$18,869The complete starting cash picture.
Estimated remaining funds due at closing
$18,869No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$7,817.16
Your down payment$7,817.16
Closing costs + prepaids$11,051.38
Total buyer cash needed$18,868.55
Remaining funds due$18,868.55
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,699.90
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)$444.00
Initial HOA (3 months)$360.00
Prepaid interest, first (10 days)$322.48
Fees + prepaids$11,051.38
Your down payment is the seller’s equity. You take over the $362,173 balance, so the rest of the $369,990 price is paid at closing. A second mortgage can cover part of it. $18,868.55 is due at closing. Uses and sources reconcile at $381,041.38 each. Not a Closing Disclosure.