Follow the dollars · Assumption only
A complete cash picture for Dec 11, 2026
Your down payment$10,305Cash toward the purchase price.
Closing costs + prepaids$11,607Not just lender fees.
Before credits & paid funds$21,912The complete starting cash picture.
Estimated remaining funds due at closing
$21,912No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$10,304.77
Your down payment$10,304.77
Closing costs + prepaids$11,607.33
Total buyer cash needed$21,912.10
Remaining funds due$21,912.10
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,749.00
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)$323.25
Initial HOA (3 months)$213.00
Prepaid interest, first (21 days)$1,097.08
Fees + prepaids$11,607.33
Your down payment is the seller’s equity. You take over the $364,595 balance, so the rest of the $374,900 price is paid at closing. A second mortgage can cover part of it. $21,912.10 is due at closing. Uses and sources reconcile at $386,507.33 each. Not a Closing Disclosure.