Follow the dollars · Assumption only
A complete cash picture for Dec 22, 2026
Your down payment$13,087Cash toward the purchase price.
Closing costs + prepaids$11,480Not just lender fees.
Before credits & paid funds$24,567The complete starting cash picture.
Estimated remaining funds due at closing
$24,567No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$13,086.79
Your down payment$13,086.79
Closing costs + prepaids$11,480.13
Total buyer cash needed$24,566.92
Remaining funds due$24,566.92
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,849.00
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)$462.00
Initial HOA (3 months)$282.00
Prepaid interest, first (10 days)$662.13
Fees + prepaids$11,480.13
Your down payment is the seller’s equity. You take over the $371,813 balance, so the rest of the $384,900 price is paid at closing. A second mortgage can cover part of it. $24,566.92 is due at closing. Uses and sources reconcile at $396,380.13 each. Not a Closing Disclosure.