Follow the dollars · Assumption only
A complete cash picture for Dec 2, 2026
Your down payment$24,130Cash toward the purchase price.
Closing costs + prepaids$13,034Not just lender fees.
Before credits & paid funds$37,164The complete starting cash picture.
Estimated remaining funds due at closing
$37,164No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$24,130.29
Your down payment$24,130.29
Closing costs + prepaids$13,033.73
Total buyer cash needed$37,164.02
Remaining funds due$37,164.02
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,650.00
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)$1,093.25
Initial HOA (3 months)$168.75
Prepaid interest, first (30 days)$1,896.73
Fees + prepaids$13,033.73
Your down payment is the seller’s equity. You take over the $340,870 balance, so the rest of the $365,000 price is paid at closing. A second mortgage can cover part of it. $37,164.02 is due at closing. Uses and sources reconcile at $378,033.73 each. Not a Closing Disclosure.