Follow the dollars · Assumption only
A complete cash picture for Dec 20, 2026
Your down payment$24,107Cash toward the purchase price.
Closing costs + prepaids$11,618Not just lender fees.
Before credits & paid funds$35,725The complete starting cash picture.
Estimated remaining funds due at closing
$35,725No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$24,107.39
Your down payment$24,107.39
Closing costs + prepaids$11,617.54
Total buyer cash needed$35,724.93
Remaining funds due$35,724.93
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,888.88
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)$466.75
Initial HOA (3 months)$225.00
Prepaid interest, first (12 days)$811.91
Fees + prepaids$11,617.54
Your down payment is the seller’s equity. You take over the $364,781 balance, so the rest of the $388,888 price is paid at closing. A second mortgage can cover part of it. $35,724.93 is due at closing. Uses and sources reconcile at $400,505.54 each. Not a Closing Disclosure.