Follow the dollars · Assumption only
A complete cash picture for Dec 12, 2026
Your down payment$25,274Cash toward the purchase price.
Closing costs + prepaids$12,053Not just lender fees.
Before credits & paid funds$37,326The complete starting cash picture.
Estimated remaining funds due at closing
$37,326No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$25,273.57
Your down payment$25,273.57
Closing costs + prepaids$12,052.91
Total buyer cash needed$37,326.47
Remaining funds due$37,326.47
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,963.33
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)$349.50
Initial HOA (3 months)$102.00
Prepaid interest, first (20 days)$1,413.08
Fees + prepaids$12,052.91
Your down payment is the seller’s equity. You take over the $371,059 balance, so the rest of the $396,333 price is paid at closing. A second mortgage can cover part of it. $37,326.47 is due at closing. Uses and sources reconcile at $408,385.91 each. Not a Closing Disclosure.