Follow the dollars · Assumption only
A complete cash picture for Dec 26, 2026
Your down payment$25,722Cash toward the purchase price.
Closing costs + prepaids$10,986Not just lender fees.
Before credits & paid funds$36,708The complete starting cash picture.
Estimated remaining funds due at closing
$36,708No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$25,722.36
Your down payment$25,722.36
Closing costs + prepaids$10,985.51
Total buyer cash needed$36,707.88
Remaining funds due$36,707.88
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,870.00
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)$464.50
Initial HOA (3 months)$39.99
Prepaid interest, first (6 days)$386.02
Fees + prepaids$10,985.51
Your down payment is the seller’s equity. You take over the $361,278 balance, so the rest of the $387,000 price is paid at closing. A second mortgage can cover part of it. $36,707.88 is due at closing. Uses and sources reconcile at $397,985.51 each. Not a Closing Disclosure.