Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$22,480Cash toward the purchase price.
Closing costs + prepaids$12,567Not just lender fees.
Before credits & paid funds$35,047The complete starting cash picture.
Estimated remaining funds due at closing
$35,047No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$22,480.11
Your down payment$22,480.11
Closing costs + prepaids$12,567.38
Total buyer cash needed$35,047.49
Remaining funds due$35,047.49
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,790.00
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)$473.25
Initial HOA (3 months)$243.00
Prepaid interest, first (26 days)$1,836.13
Fees + prepaids$12,567.38
Your down payment is the seller’s equity. You take over the $356,520 balance, so the rest of the $379,000 price is paid at closing. A second mortgage can cover part of it. $35,047.49 is due at closing. Uses and sources reconcile at $391,567.38 each. Not a Closing Disclosure.