Follow the dollars · Assumption only
A complete cash picture for Dec 15, 2026
Your down payment$9,481Cash toward the purchase price.
Closing costs + prepaids$11,684Not just lender fees.
Before credits & paid funds$21,165The complete starting cash picture.
Estimated remaining funds due at closing
$21,165No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$9,481.21
Your down payment$9,481.21
Closing costs + prepaids$11,683.63
Total buyer cash needed$21,164.84
Remaining funds due$21,164.84
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)$438.00
Initial HOA (3 months)$243.00
Prepaid interest, first (17 days)$1,127.63
Fees + prepaids$11,683.63
Your down payment is the seller’s equity. You take over the $355,519 balance, so the rest of the $365,000 price is paid at closing. A second mortgage can cover part of it. $21,164.84 is due at closing. Uses and sources reconcile at $376,683.63 each. Not a Closing Disclosure.