Follow the dollars · Assumption only
A complete cash picture for Dec 3, 2026
Your down payment$26,092Cash toward the purchase price.
Closing costs + prepaids$12,774Not just lender fees.
Before credits & paid funds$38,866The complete starting cash picture.
Estimated remaining funds due at closing
$38,866No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$26,091.53
Your down payment$26,091.53
Closing costs + prepaids$12,774.37
Total buyer cash needed$38,865.91
Remaining funds due$38,865.91
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,698.00
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)$245.25
Initial HOA (3 months)$771.00
Prepaid interest, first (29 days)$1,835.12
Fees + prepaids$12,774.37
Your down payment is the seller’s equity. You take over the $343,708 balance, so the rest of the $369,800 price is paid at closing. A second mortgage can cover part of it. $38,865.91 is due at closing. Uses and sources reconcile at $382,574.37 each. Not a Closing Disclosure.