Follow the dollars · Assumption only
A complete cash picture for Dec 20, 2026
Your down payment$3,452Cash toward the purchase price.
Closing costs + prepaids$12,721Not just lender fees.
Before credits & paid funds$16,173The complete starting cash picture.
Estimated remaining funds due at closing
$16,173No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$3,451.78
Your down payment$3,451.78
Closing costs + prepaids$12,720.95
Total buyer cash needed$16,172.72
Remaining funds due$16,172.72
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,680.00
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)$441.50
Initial HOA (3 months)$1,605.00
Prepaid interest, first (12 days)$769.45
Fees + prepaids$12,720.95
Your down payment is the seller’s equity. You take over the $364,548 balance, so the rest of the $368,000 price is paid at closing. A second mortgage can cover part of it. $16,172.72 is due at closing. Uses and sources reconcile at $380,720.95 each. Not a Closing Disclosure.