Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$17,707Cash toward the purchase price.
Closing costs + prepaids$13,002Not just lender fees.
Before credits & paid funds$30,709The complete starting cash picture.
Estimated remaining funds due at closing
$30,709No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$17,706.97
Your down payment$17,706.97
Closing costs + prepaids$13,002.41
Total buyer cash needed$30,709.37
Remaining funds due$30,709.37
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,840.00
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)$384.50
Initial HOA (3 months)$285.00
Prepaid interest, first (31 days)$2,267.91
Fees + prepaids$13,002.41
Your down payment is the seller’s equity. You take over the $366,293 balance, so the rest of the $384,000 price is paid at closing. A second mortgage can cover part of it. $30,709.37 is due at closing. Uses and sources reconcile at $397,002.41 each. Not a Closing Disclosure.