Follow the dollars · Assumption only
A complete cash picture for Dec 22, 2026
Your down payment$19,646Cash toward the purchase price.
Closing costs + prepaids$11,247Not just lender fees.
Before credits & paid funds$30,893The complete starting cash picture.
Estimated remaining funds due at closing
$30,893No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$19,645.88
Your down payment$19,645.88
Closing costs + prepaids$11,246.74
Total buyer cash needed$30,892.62
Remaining funds due$30,892.62
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,770.00
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)$452.50
Initial HOA (3 months)$156.00
Prepaid interest, first (10 days)$643.24
Fees + prepaids$11,246.74
Your down payment is the seller’s equity. You take over the $357,354 balance, so the rest of the $377,000 price is paid at closing. A second mortgage can cover part of it. $30,892.62 is due at closing. Uses and sources reconcile at $388,246.74 each. Not a Closing Disclosure.