Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$22,515Cash toward the purchase price.
Closing costs + prepaids$13,534Not just lender fees.
Before credits & paid funds$36,049The complete starting cash picture.
Estimated remaining funds due at closing
$36,049No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$22,514.64
Your down payment$22,514.64
Closing costs + prepaids$13,534.14
Total buyer cash needed$36,048.78
Remaining funds due$36,048.78
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,785.00
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)$259.75
Initial HOA (3 months)$1,479.00
Prepaid interest, first (27 days)$1,785.39
Fees + prepaids$13,534.14
Your down payment is the seller’s equity. You take over the $355,985 balance, so the rest of the $378,500 price is paid at closing. A second mortgage can cover part of it. $36,048.78 is due at closing. Uses and sources reconcile at $392,034.14 each. Not a Closing Disclosure.