Follow the dollars · Assumption only
A complete cash picture for Dec 12, 2026
Your down payment$24,809Cash toward the purchase price.
Closing costs + prepaids$12,200Not just lender fees.
Before credits & paid funds$37,009The complete starting cash picture.
Estimated remaining funds due at closing
$37,009No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$24,808.86
Your down payment$24,808.86
Closing costs + prepaids$12,200.32
Total buyer cash needed$37,009.18
Remaining funds due$37,009.18
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,950.00
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)$314.01
Prepaid interest, first (20 days)$1,269.81
Fees + prepaids$12,200.32
Your down payment is the seller’s equity. You take over the $370,191 balance, so the rest of the $395,000 price is paid at closing. A second mortgage can cover part of it. $37,009.18 is due at closing. Uses and sources reconcile at $407,200.32 each. Not a Closing Disclosure.