Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$4,001Cash toward the purchase price.
Closing costs + prepaids$11,955Not just lender fees.
Before credits & paid funds$15,956The complete starting cash picture.
Estimated remaining funds due at closing
$15,956No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$4,001.32
Your down payment$4,001.32
Closing costs + prepaids$11,954.57
Total buyer cash needed$15,955.89
Remaining funds due$15,955.89
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,649.00
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)$388.00
Prepaid interest, first (27 days)$1,692.57
Fees + prepaids$11,954.57
Your down payment is the seller’s equity. You take over the $360,899 balance, so the rest of the $364,900 price is paid at closing. A second mortgage can cover part of it. $15,955.89 is due at closing. Uses and sources reconcile at $376,854.57 each. Not a Closing Disclosure.