Follow the dollars · Assumption only
A complete cash picture for Dec 23, 2026
Your down payment$3,472Cash toward the purchase price.
Closing costs + prepaids$11,319Not just lender fees.
Before credits & paid funds$14,791The complete starting cash picture.
Estimated remaining funds due at closing
$14,791No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$3,472.24
Your down payment$3,472.24
Closing costs + prepaids$11,319.05
Total buyer cash needed$14,791.29
Remaining funds due$14,791.29
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,745.00
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)$449.50
Initial HOA (3 months)$207.00
Prepaid interest, first (9 days)$692.55
Fees + prepaids$11,319.05
Your down payment is the seller’s equity. You take over the $371,028 balance, so the rest of the $374,500 price is paid at closing. A second mortgage can cover part of it. $14,791.29 is due at closing. Uses and sources reconcile at $385,819.05 each. Not a Closing Disclosure.