Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$27,723Cash toward the purchase price.
Closing costs + prepaids$11,978Not just lender fees.
Before credits & paid funds$39,701The complete starting cash picture.
Estimated remaining funds due at closing
$39,701No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$27,722.92
Your down payment$27,722.92
Closing costs + prepaids$11,977.61
Total buyer cash needed$39,700.53
Remaining funds due$39,700.53
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,580.00
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)$485.75
Prepaid interest, first (26 days)$1,686.86
Fees + prepaids$11,977.61
Your down payment is the seller’s equity. You take over the $330,277 balance, so the rest of the $358,000 price is paid at closing. A second mortgage can cover part of it. $39,700.53 is due at closing. Uses and sources reconcile at $369,977.61 each. Not a Closing Disclosure.