Follow the dollars · Assumption only
A complete cash picture for Dec 24, 2026
Your down payment$22,192Cash toward the purchase price.
Closing costs + prepaids$11,079Not just lender fees.
Before credits & paid funds$33,271The complete starting cash picture.
Estimated remaining funds due at closing
$33,271No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$22,192.01
Your down payment$22,192.01
Closing costs + prepaids$11,078.98
Total buyer cash needed$33,270.99
Remaining funds due$33,270.99
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,770.00
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)$452.50
Initial HOA (3 months)$126.00
Prepaid interest, first (8 days)$505.48
Fees + prepaids$11,078.98
Your down payment is the seller’s equity. You take over the $354,808 balance, so the rest of the $377,000 price is paid at closing. A second mortgage can cover part of it. $33,270.99 is due at closing. Uses and sources reconcile at $388,078.98 each. Not a Closing Disclosure.