Follow the dollars · Assumption only
A complete cash picture for Dec 2, 2026
Your down payment$6,337Cash toward the purchase price.
Closing costs + prepaids$13,662Not just lender fees.
Before credits & paid funds$19,999The complete starting cash picture.
Estimated remaining funds due at closing
$19,999No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$6,337.02
Your down payment$6,337.02
Closing costs + prepaids$13,661.99
Total buyer cash needed$19,999.01
Remaining funds due$19,999.01
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,849.00
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)$1,260.25
Initial HOA (3 months)$53.25
Prepaid interest, first (30 days)$2,274.49
Fees + prepaids$13,661.99
Your down payment is the seller’s equity. You take over the $378,563 balance, so the rest of the $384,900 price is paid at closing. A second mortgage can cover part of it. $19,999.01 is due at closing. Uses and sources reconcile at $398,561.99 each. Not a Closing Disclosure.