Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$7,124Cash toward the purchase price.
Closing costs + prepaids$12,648Not just lender fees.
Before credits & paid funds$19,772The complete starting cash picture.
Estimated remaining funds due at closing
$19,772No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$7,123.50
Your down payment$7,123.50
Closing costs + prepaids$12,648.48
Total buyer cash needed$19,771.98
Remaining funds due$19,771.98
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,700.00
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)$637.75
Initial HOA (3 months)$297.00
Prepaid interest, first (26 days)$1,788.73
Fees + prepaids$12,648.48
Your down payment is the seller’s equity. You take over the $362,876 balance, so the rest of the $370,000 price is paid at closing. A second mortgage can cover part of it. $19,771.98 is due at closing. Uses and sources reconcile at $382,648.48 each. Not a Closing Disclosure.