Follow the dollars · Assumption only
A complete cash picture for Dec 2, 2026
Your down payment$26,572Cash toward the purchase price.
Closing costs + prepaids$12,873Not just lender fees.
Before credits & paid funds$39,446The complete starting cash picture.
Estimated remaining funds due at closing
$39,446No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$26,572.48
Your down payment$26,572.48
Closing costs + prepaids$12,873.05
Total buyer cash needed$39,445.52
Remaining funds due$39,445.52
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,645.00
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)$1,325.75
Initial HOA (3 months)$258.00
Prepaid interest, first (30 days)$1,419.30
Fees + prepaids$12,873.05
Your down payment is the seller’s equity. You take over the $337,928 balance, so the rest of the $364,500 price is paid at closing. A second mortgage can cover part of it. $39,445.52 is due at closing. Uses and sources reconcile at $377,373.05 each. Not a Closing Disclosure.