Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$18,226Cash toward the purchase price.
Closing costs + prepaids$11,756Not just lender fees.
Before credits & paid funds$29,983The complete starting cash picture.
Estimated remaining funds due at closing
$29,983No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$18,226.32
Your down payment$18,226.32
Closing costs + prepaids$11,756.21
Total buyer cash needed$29,982.53
Remaining funds due$29,982.53
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,650.00
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)$539.25
Initial HOA (3 months)$426.00
Prepaid interest, first (31 days)$915.96
Fees + prepaids$11,756.21
Your down payment is the seller’s equity. You take over the $346,774 balance, so the rest of the $365,000 price is paid at closing. A second mortgage can cover part of it. $29,982.53 is due at closing. Uses and sources reconcile at $376,756.21 each. Not a Closing Disclosure.