Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$20,446Cash toward the purchase price.
Closing costs + prepaids$12,252Not just lender fees.
Before credits & paid funds$32,698The complete starting cash picture.
Estimated remaining funds due at closing
$32,698No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$20,445.88
Your down payment$20,445.88
Closing costs + prepaids$12,251.67
Total buyer cash needed$32,697.55
Remaining funds due$32,697.55
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,778.00
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)$420.25
Initial HOA (3 months)$156.00
Prepaid interest, first (26 days)$1,672.42
Fees + prepaids$12,251.67
Your down payment is the seller’s equity. You take over the $357,354 balance, so the rest of the $377,800 price is paid at closing. A second mortgage can cover part of it. $32,697.55 is due at closing. Uses and sources reconcile at $390,051.67 each. Not a Closing Disclosure.