Follow the dollars · Assumption only
A complete cash picture for Dec 11, 2026
Your down payment$24,809Cash toward the purchase price.
Closing costs + prepaids$12,264Not just lender fees.
Before credits & paid funds$37,073The complete starting cash picture.
Estimated remaining funds due at closing
$37,073No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$24,808.86
Your down payment$24,808.86
Closing costs + prepaids$12,263.81
Total buyer cash needed$37,072.67
Remaining funds due$37,072.67
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,950.00
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)$314.01
Prepaid interest, first (21 days)$1,333.30
Fees + prepaids$12,263.81
Your down payment is the seller’s equity. You take over the $370,191 balance, so the rest of the $395,000 price is paid at closing. A second mortgage can cover part of it. $37,072.67 is due at closing. Uses and sources reconcile at $407,263.81 each. Not a Closing Disclosure.