Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$7,817Cash toward the purchase price.
Closing costs + prepaids$11,247Not just lender fees.
Before credits & paid funds$19,064The complete starting cash picture.
Estimated remaining funds due at closing
$19,064No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$7,817.16
Your down payment$7,817.16
Closing costs + prepaids$11,246.60
Total buyer cash needed$19,063.77
Remaining funds due$19,063.77
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,699.90
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)$91.00
Initial HOA (3 months)$360.00
Prepaid interest, first (27 days)$870.70
Fees + prepaids$11,246.60
Your down payment is the seller’s equity. You take over the $362,173 balance, so the rest of the $369,990 price is paid at closing. A second mortgage can cover part of it. $19,063.77 is due at closing. Uses and sources reconcile at $381,236.60 each. Not a Closing Disclosure.