Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$20,163Cash toward the purchase price.
Closing costs + prepaids$13,197Not just lender fees.
Before credits & paid funds$33,360The complete starting cash picture.
Estimated remaining funds due at closing
$33,360No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$20,162.71
Your down payment$20,162.71
Closing costs + prepaids$13,196.89
Total buyer cash needed$33,359.59
Remaining funds due$33,359.59
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,699.99
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)$903.50
Initial HOA (3 months)$345.00
Prepaid interest, first (31 days)$2,023.40
Fees + prepaids$13,196.89
Your down payment is the seller’s equity. You take over the $349,836 balance, so the rest of the $369,999 price is paid at closing. A second mortgage can cover part of it. $33,359.59 is due at closing. Uses and sources reconcile at $383,195.89 each. Not a Closing Disclosure.