Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$23,669Cash toward the purchase price.
Closing costs + prepaids$12,833Not just lender fees.
Before credits & paid funds$36,502The complete starting cash picture.
Estimated remaining funds due at closing
$36,502No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$23,669.40
Your down payment$23,669.40
Closing costs + prepaids$12,832.58
Total buyer cash needed$36,501.98
Remaining funds due$36,501.98
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,825.00
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)$303.75
Initial HOA (3 months)$573.00
Prepaid interest, first (27 days)$1,905.83
Fees + prepaids$12,832.58
Your down payment is the seller’s equity. You take over the $358,831 balance, so the rest of the $382,500 price is paid at closing. A second mortgage can cover part of it. $36,501.98 is due at closing. Uses and sources reconcile at $395,332.58 each. Not a Closing Disclosure.