Follow the dollars · Assumption only
A complete cash picture for Dec 20, 2026
Your down payment$14,720Cash toward the purchase price.
Closing costs + prepaids$11,937Not just lender fees.
Before credits & paid funds$26,657The complete starting cash picture.
Estimated remaining funds due at closing
$26,657No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$14,720.24
Your down payment$14,720.24
Closing costs + prepaids$11,937.01
Total buyer cash needed$26,657.25
Remaining funds due$26,657.25
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,699.00
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)$444.00
Initial HOA (3 months)$810.00
Prepaid interest, first (12 days)$759.01
Fees + prepaids$11,937.01
Your down payment is the seller’s equity. You take over the $355,180 balance, so the rest of the $369,900 price is paid at closing. A second mortgage can cover part of it. $26,657.25 is due at closing. Uses and sources reconcile at $381,837.01 each. Not a Closing Disclosure.