Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$5,786Cash toward the purchase price.
Closing costs + prepaids$13,860Not just lender fees.
Before credits & paid funds$19,647The complete starting cash picture.
Estimated remaining funds due at closing
$19,647No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$5,786.46
Your down payment$5,786.46
Closing costs + prepaids$13,860.31
Total buyer cash needed$19,646.77
Remaining funds due$19,646.77
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,699.90
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)$1,131.50
Initial HOA (3 months)$750.00
Prepaid interest, first (31 days)$2,053.91
Fees + prepaids$13,860.31
Your down payment is the seller’s equity. You take over the $364,204 balance, so the rest of the $369,990 price is paid at closing. A second mortgage can cover part of it. $19,646.77 is due at closing. Uses and sources reconcile at $383,850.31 each. Not a Closing Disclosure.