Follow the dollars · Assumption only
A complete cash picture for Dec 22, 2026
Your down payment$23,303Cash toward the purchase price.
Closing costs + prepaids$11,595Not just lender fees.
Before credits & paid funds$34,898The complete starting cash picture.
Estimated remaining funds due at closing
$34,898No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$23,303.26
Your down payment$23,303.26
Closing costs + prepaids$11,594.61
Total buyer cash needed$34,897.87
Remaining funds due$34,897.87
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,875.00
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)$465.00
Initial HOA (3 months)$399.00
Prepaid interest, first (10 days)$630.61
Fees + prepaids$11,594.61
Your down payment is the seller’s equity. You take over the $364,197 balance, so the rest of the $387,500 price is paid at closing. A second mortgage can cover part of it. $34,897.87 is due at closing. Uses and sources reconcile at $399,094.61 each. Not a Closing Disclosure.