Follow the dollars · Assumption only
A complete cash picture for Dec 23, 2026
Your down payment$9,824Cash toward the purchase price.
Closing costs + prepaids$11,309Not just lender fees.
Before credits & paid funds$21,133The complete starting cash picture.
Estimated remaining funds due at closing
$21,133No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$9,824.01
Your down payment$9,824.01
Closing costs + prepaids$11,309.07
Total buyer cash needed$21,133.08
Remaining funds due$21,133.08
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)$442.75
Initial HOA (3 months)$342.00
Prepaid interest, first (9 days)$609.32
Fees + prepaids$11,309.07
Your down payment is the seller’s equity. You take over the $359,176 balance, so the rest of the $369,000 price is paid at closing. A second mortgage can cover part of it. $21,133.08 is due at closing. Uses and sources reconcile at $380,309.07 each. Not a Closing Disclosure.