Follow the dollars · Assumption only
A complete cash picture for Dec 2, 2026
Your down payment$10,682Cash toward the purchase price.
Closing costs + prepaids$12,354Not just lender fees.
Before credits & paid funds$23,036The complete starting cash picture.
Estimated remaining funds due at closing
$23,036No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$10,681.75
Your down payment$10,681.75
Closing costs + prepaids$12,353.77
Total buyer cash needed$23,035.52
Remaining funds due$23,035.52
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,790.00
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)$422.75
Initial HOA (3 months)$693.00
Prepaid interest, first (30 days)$1,223.02
Fees + prepaids$12,353.77
Your down payment is the seller’s equity. You take over the $368,318 balance, so the rest of the $379,000 price is paid at closing. A second mortgage can cover part of it. $23,035.52 is due at closing. Uses and sources reconcile at $391,353.77 each. Not a Closing Disclosure.