Follow the dollars · Assumption only
A complete cash picture for Dec 22, 2026
Your down payment$19,335Cash toward the purchase price.
Closing costs + prepaids$11,394Not just lender fees.
Before credits & paid funds$30,729The complete starting cash picture.
Estimated remaining funds due at closing
$30,729No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$19,334.53
Your down payment$19,334.53
Closing costs + prepaids$11,394.38
Total buyer cash needed$30,728.91
Remaining funds due$30,728.91
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,750.00
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)$450.00
Initial HOA (3 months)$336.00
Prepaid interest, first (10 days)$633.38
Fees + prepaids$11,394.38
Your down payment is the seller’s equity. You take over the $355,665 balance, so the rest of the $375,000 price is paid at closing. A second mortgage can cover part of it. $30,728.91 is due at closing. Uses and sources reconcile at $386,394.38 each. Not a Closing Disclosure.