Follow the dollars · Assumption only
A complete cash picture for Dec 2, 2026
Your down payment$1,949Cash toward the purchase price.
Closing costs + prepaids$12,634Not just lender fees.
Before credits & paid funds$14,583The complete starting cash picture.
Estimated remaining funds due at closing
$14,583No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$1,948.90
Your down payment$1,948.90
Closing costs + prepaids$12,633.93
Total buyer cash needed$14,582.83
Remaining funds due$14,582.83
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,740.00
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)$367.00
Initial HOA (3 months)$195.00
Prepaid interest, first (30 days)$2,106.93
Fees + prepaids$12,633.93
Your down payment is the seller’s equity. You take over the $372,051 balance, so the rest of the $374,000 price is paid at closing. A second mortgage can cover part of it. $14,582.83 is due at closing. Uses and sources reconcile at $386,633.93 each. Not a Closing Disclosure.