Follow the dollars · Assumption only
A complete cash picture for Dec 23, 2026
Your down payment$20,353Cash toward the purchase price.
Closing costs + prepaids$11,187Not just lender fees.
Before credits & paid funds$31,540The complete starting cash picture.
Estimated remaining funds due at closing
$31,540No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$20,352.99
Your down payment$20,352.99
Closing costs + prepaids$11,187.08
Total buyer cash needed$31,540.07
Remaining funds due$31,540.07
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,729.99
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)$447.50
Initial HOA (3 months)$342.00
Prepaid interest, first (9 days)$442.59
Fees + prepaids$11,187.08
Your down payment is the seller’s equity. You take over the $352,646 balance, so the rest of the $372,999 price is paid at closing. A second mortgage can cover part of it. $31,540.07 is due at closing. Uses and sources reconcile at $384,186.08 each. Not a Closing Disclosure.