Follow the dollars · Assumption only
A complete cash picture for Dec 20, 2026
Your down payment$3,596Cash toward the purchase price.
Closing costs + prepaids$11,685Not just lender fees.
Before credits & paid funds$15,280The complete starting cash picture.
Estimated remaining funds due at closing
$15,280No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$3,595.51
Your down payment$3,595.51
Closing costs + prepaids$11,684.81
Total buyer cash needed$15,280.32
Remaining funds due$15,280.32
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)$864.00
Prepaid interest, first (12 days)$452.81
Fees + prepaids$11,684.81
Your down payment is the seller’s equity. You take over the $366,304 balance, so the rest of the $369,900 price is paid at closing. A second mortgage can cover part of it. $15,280.32 is due at closing. Uses and sources reconcile at $381,584.81 each. Not a Closing Disclosure.