Follow the dollars · Assumption only
A complete cash picture for Dec 22, 2026
Your down payment$27,611Cash toward the purchase price.
Closing costs + prepaids$11,183Not just lender fees.
Before credits & paid funds$38,793The complete starting cash picture.
Estimated remaining funds due at closing
$38,793No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$27,610.60
Your down payment$27,610.60
Closing costs + prepaids$11,182.65
Total buyer cash needed$38,793.24
Remaining funds due$38,793.24
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,650.00
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)$438.00
Initial HOA (3 months)$291.00
Prepaid interest, first (10 days)$578.65
Fees + prepaids$11,182.65
Your down payment is the seller’s equity. You take over the $337,389 balance, so the rest of the $365,000 price is paid at closing. A second mortgage can cover part of it. $38,793.24 is due at closing. Uses and sources reconcile at $376,182.65 each. Not a Closing Disclosure.