Follow the dollars · Assumption only
A complete cash picture for Dec 27, 2026
Your down payment$24,593Cash toward the purchase price.
Closing costs + prepaids$11,916Not just lender fees.
Before credits & paid funds$36,510The complete starting cash picture.
Estimated remaining funds due at closing
$36,510No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$24,593.37
Your down payment$24,593.37
Closing costs + prepaids$11,916.29
Total buyer cash needed$36,509.65
Remaining funds due$36,509.65
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,859.00
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)$984.00
Initial HOA (3 months)$534.00
Prepaid interest, first (5 days)$314.29
Fees + prepaids$11,916.29
Your down payment is the seller’s equity. You take over the $361,307 balance, so the rest of the $385,900 price is paid at closing. A second mortgage can cover part of it. $36,509.65 is due at closing. Uses and sources reconcile at $397,816.29 each. Not a Closing Disclosure.