Follow the dollars · Assumption only
A complete cash picture for Dec 13, 2026
Your down payment$23,669Cash toward the purchase price.
Closing costs + prepaids$12,268Not just lender fees.
Before credits & paid funds$35,937The complete starting cash picture.
Estimated remaining funds due at closing
$35,937No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$23,669.40
Your down payment$23,669.40
Closing costs + prepaids$12,267.89
Total buyer cash needed$35,937.29
Remaining funds due$35,937.29
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,825.00
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)$303.75
Initial HOA (3 months)$573.00
Prepaid interest, first (19 days)$1,341.14
Fees + prepaids$12,267.89
Your down payment is the seller’s equity. You take over the $358,831 balance, so the rest of the $382,500 price is paid at closing. A second mortgage can cover part of it. $35,937.29 is due at closing. Uses and sources reconcile at $394,767.89 each. Not a Closing Disclosure.