Follow the dollars · Assumption only
A complete cash picture for Dec 12, 2026
Your down payment$7,102Cash toward the purchase price.
Closing costs + prepaids$12,126Not just lender fees.
Before credits & paid funds$19,228The complete starting cash picture.
Estimated remaining funds due at closing
$19,228No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$7,102.35
Your down payment$7,102.35
Closing costs + prepaids$12,125.68
Total buyer cash needed$19,228.03
Remaining funds due$19,228.03
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,800.00
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)$812.25
Initial HOA (3 months)$324.00
Prepaid interest, first (20 days)$964.43
Fees + prepaids$12,125.68
Your down payment is the seller’s equity. You take over the $372,898 balance, so the rest of the $380,000 price is paid at closing. A second mortgage can cover part of it. $19,228.03 is due at closing. Uses and sources reconcile at $392,125.68 each. Not a Closing Disclosure.