Follow the dollars · Assumption only
A complete cash picture for Dec 2, 2026
Your down payment$9,824Cash toward the purchase price.
Closing costs + prepaids$12,757Not just lender fees.
Before credits & paid funds$22,581The complete starting cash picture.
Estimated remaining funds due at closing
$22,581No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$9,824.01
Your down payment$9,824.01
Closing costs + prepaids$12,756.82
Total buyer cash needed$22,580.83
Remaining funds due$22,580.83
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,690.00
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)$468.75
Initial HOA (3 months)$342.00
Prepaid interest, first (30 days)$2,031.07
Fees + prepaids$12,756.82
Your down payment is the seller’s equity. You take over the $359,176 balance, so the rest of the $369,000 price is paid at closing. A second mortgage can cover part of it. $22,580.83 is due at closing. Uses and sources reconcile at $381,756.82 each. Not a Closing Disclosure.