Follow the dollars · Assumption only
A complete cash picture for Dec 15, 2026
Your down payment$18,354Cash toward the purchase price.
Closing costs + prepaids$11,383Not just lender fees.
Before credits & paid funds$29,737The complete starting cash picture.
Estimated remaining funds due at closing
$29,737No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$18,353.86
Your down payment$18,353.86
Closing costs + prepaids$11,383.28
Total buyer cash needed$29,737.14
Remaining funds due$29,737.14
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,700.00
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)$462.50
Prepaid interest, first (17 days)$995.78
Fees + prepaids$11,383.28
Your down payment is the seller’s equity. You take over the $351,646 balance, so the rest of the $370,000 price is paid at closing. A second mortgage can cover part of it. $29,737.14 is due at closing. Uses and sources reconcile at $381,383.28 each. Not a Closing Disclosure.