Follow the dollars · Assumption only
A complete cash picture for Dec 22, 2026
Your down payment$25,530Cash toward the purchase price.
Closing costs + prepaids$11,245Not just lender fees.
Before credits & paid funds$36,776The complete starting cash picture.
Estimated remaining funds due at closing
$36,776No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$25,530.39
Your down payment$25,530.39
Closing costs + prepaids$11,245.36
Total buyer cash needed$36,775.75
Remaining funds due$36,775.75
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,700.00
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)$444.00
Initial HOA (3 months)$228.00
Prepaid interest, first (10 days)$648.36
Fees + prepaids$11,245.36
Your down payment is the seller’s equity. You take over the $344,470 balance, so the rest of the $370,000 price is paid at closing. A second mortgage can cover part of it. $36,775.75 is due at closing. Uses and sources reconcile at $381,245.36 each. Not a Closing Disclosure.