Follow the dollars · Assumption only
A complete cash picture for Dec 26, 2026
Your down payment$3,452Cash toward the purchase price.
Closing costs + prepaids$12,336Not just lender fees.
Before credits & paid funds$15,788The complete starting cash picture.
Estimated remaining funds due at closing
$15,788No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$3,451.78
Your down payment$3,451.78
Closing costs + prepaids$12,336.22
Total buyer cash needed$15,788.00
Remaining funds due$15,788.00
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,680.00
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)$1,605.00
Prepaid interest, first (6 days)$384.72
Fees + prepaids$12,336.22
Your down payment is the seller’s equity. You take over the $364,548 balance, so the rest of the $368,000 price is paid at closing. A second mortgage can cover part of it. $15,788.00 is due at closing. Uses and sources reconcile at $380,336.22 each. Not a Closing Disclosure.