Follow the dollars · Assumption only
A complete cash picture for Dec 14, 2026
Your down payment$23,740Cash toward the purchase price.
Closing costs + prepaids$11,943Not just lender fees.
Before credits & paid funds$35,683The complete starting cash picture.
Estimated remaining funds due at closing
$35,683No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$23,740.08
Your down payment$23,740.08
Closing costs + prepaids$11,943.38
Total buyer cash needed$35,683.46
Remaining funds due$35,683.46
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,779.99
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)$514.75
Initial HOA (3 months)$330.00
Prepaid interest, first (18 days)$1,093.64
Fees + prepaids$11,943.38
Your down payment is the seller’s equity. You take over the $354,259 balance, so the rest of the $377,999 price is paid at closing. A second mortgage can cover part of it. $35,683.46 is due at closing. Uses and sources reconcile at $389,942.38 each. Not a Closing Disclosure.