Follow the dollars · Assumption only
A complete cash picture for Dec 2, 2026
Your down payment$20,198Cash toward the purchase price.
Closing costs + prepaids$13,853Not just lender fees.
Before credits & paid funds$34,051The complete starting cash picture.
Estimated remaining funds due at closing
$34,051No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$20,197.82
Your down payment$20,197.82
Closing costs + prepaids$13,852.89
Total buyer cash needed$34,050.71
Remaining funds due$34,050.71
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,790.00
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)$2,182.50
Initial HOA (3 months)$27.51
Prepaid interest, first (30 days)$1,627.88
Fees + prepaids$13,852.89
Your down payment is the seller’s equity. You take over the $358,802 balance, so the rest of the $379,000 price is paid at closing. A second mortgage can cover part of it. $34,050.71 is due at closing. Uses and sources reconcile at $392,852.89 each. Not a Closing Disclosure.