Follow the dollars · Assumption only
A complete cash picture for Dec 2, 2026
Your down payment$6,444Cash toward the purchase price.
Closing costs + prepaids$14,198Not just lender fees.
Before credits & paid funds$20,642The complete starting cash picture.
Estimated remaining funds due at closing
$20,642No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$6,443.88
Your down payment$6,443.88
Closing costs + prepaids$14,198.23
Total buyer cash needed$20,642.10
Remaining funds due$20,642.10
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,750.00
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)$1,014.00
Initial HOA (3 months)$1,113.00
Prepaid interest, first (30 days)$2,096.23
Fees + prepaids$14,198.23
Your down payment is the seller’s equity. You take over the $368,556 balance, so the rest of the $375,000 price is paid at closing. A second mortgage can cover part of it. $20,642.10 is due at closing. Uses and sources reconcile at $389,198.23 each. Not a Closing Disclosure.