Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$21,166Cash toward the purchase price.
Closing costs + prepaids$14,435Not just lender fees.
Before credits & paid funds$35,602The complete starting cash picture.
Estimated remaining funds due at closing
$35,602No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$21,166.45
Your down payment$21,166.45
Closing costs + prepaids$14,435.43
Total buyer cash needed$35,601.89
Remaining funds due$35,601.89
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,850.00
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)$1,929.25
Initial HOA (3 months)$24.00
Prepaid interest, first (31 days)$2,407.18
Fees + prepaids$14,435.43
Your down payment is the seller’s equity. You take over the $363,834 balance, so the rest of the $385,000 price is paid at closing. A second mortgage can cover part of it. $35,601.89 is due at closing. Uses and sources reconcile at $399,435.43 each. Not a Closing Disclosure.