Follow the dollars · Assumption only
A complete cash picture for Dec 7, 2026
Your down payment$6,615Cash toward the purchase price.
Closing costs + prepaids$11,364Not just lender fees.
Before credits & paid funds$17,980The complete starting cash picture.
Estimated remaining funds due at closing
$17,980No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$6,615.34
Your down payment$6,615.34
Closing costs + prepaids$11,364.38
Total buyer cash needed$17,979.73
Remaining funds due$17,979.73
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,500.00
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)$875.00
Prepaid interest, first (25 days)$764.38
Fees + prepaids$11,364.38
Your down payment is the seller’s equity. You take over the $343,385 balance, so the rest of the $350,000 price is paid at closing. A second mortgage can cover part of it. $17,979.73 is due at closing. Uses and sources reconcile at $361,364.38 each. Not a Closing Disclosure.