Follow the dollars · Assumption only
A complete cash picture for Dec 18, 2026
Your down payment$5,698Cash toward the purchase price.
Closing costs + prepaids$11,264Not just lender fees.
Before credits & paid funds$16,962The complete starting cash picture.
Estimated remaining funds due at closing
$16,962No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$5,698.39
Your down payment$5,698.39
Closing costs + prepaids$11,264.10
Total buyer cash needed$16,962.49
Remaining funds due$16,962.49
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)$460.00
Prepaid interest, first (14 days)$899.10
Fees + prepaids$11,264.10
Your down payment is the seller’s equity. You take over the $362,302 balance, so the rest of the $368,000 price is paid at closing. A second mortgage can cover part of it. $16,962.49 is due at closing. Uses and sources reconcile at $379,264.10 each. Not a Closing Disclosure.