Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$15,225Cash toward the purchase price.
Closing costs + prepaids$12,454Not just lender fees.
Before credits & paid funds$27,679The complete starting cash picture.
Estimated remaining funds due at closing
$27,679No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$15,224.85
Your down payment$15,224.85
Closing costs + prepaids$12,453.86
Total buyer cash needed$27,678.71
Remaining funds due$27,678.71
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,730.00
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)$340.75
Initial HOA (3 months)$183.00
Prepaid interest, first (31 days)$1,975.11
Fees + prepaids$12,453.86
Your down payment is the seller’s equity. You take over the $357,775 balance, so the rest of the $373,000 price is paid at closing. A second mortgage can cover part of it. $27,678.71 is due at closing. Uses and sources reconcile at $385,453.86 each. Not a Closing Disclosure.