Follow the dollars · Assumption only
A complete cash picture for Dec 16, 2026
Your down payment$20,506Cash toward the purchase price.
Closing costs + prepaids$11,056Not just lender fees.
Before credits & paid funds$31,562The complete starting cash picture.
Estimated remaining funds due at closing
$31,562No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$20,505.56
Your down payment$20,505.56
Closing costs + prepaids$11,056.42
Total buyer cash needed$31,561.98
Remaining funds due$31,561.98
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,630.00
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)$453.75
Prepaid interest, first (16 days)$747.67
Fees + prepaids$11,056.42
Your down payment is the seller’s equity. You take over the $342,494 balance, so the rest of the $363,000 price is paid at closing. A second mortgage can cover part of it. $31,561.98 is due at closing. Uses and sources reconcile at $374,056.42 each. Not a Closing Disclosure.