Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$7,796Cash toward the purchase price.
Closing costs + prepaids$11,689Not just lender fees.
Before credits & paid funds$19,485The complete starting cash picture.
Estimated remaining funds due at closing
$19,485No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$7,796.21
Your down payment$7,796.21
Closing costs + prepaids$11,688.75
Total buyer cash needed$19,484.96
Remaining funds due$19,484.96
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,550.00
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)$620.25
Prepaid interest, first (26 days)$1,293.50
Fees + prepaids$11,688.75
Your down payment is the seller’s equity. You take over the $347,204 balance, so the rest of the $355,000 price is paid at closing. A second mortgage can cover part of it. $19,484.96 is due at closing. Uses and sources reconcile at $366,688.75 each. Not a Closing Disclosure.