Follow the dollars · Assumption only
A complete cash picture for Dec 8, 2026
Your down payment$6,815Cash toward the purchase price.
Closing costs + prepaids$12,892Not just lender fees.
Before credits & paid funds$19,707The complete starting cash picture.
Estimated remaining funds due at closing
$19,707No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$6,814.58
Your down payment$6,814.58
Closing costs + prepaids$12,892.41
Total buyer cash needed$19,706.98
Remaining funds due$19,706.98
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,599.00
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)$997.00
Initial HOA (3 months)$495.00
Prepaid interest, first (24 days)$1,576.41
Fees + prepaids$12,892.41
Your down payment is the seller’s equity. You take over the $353,085 balance, so the rest of the $359,900 price is paid at closing. A second mortgage can cover part of it. $19,706.98 is due at closing. Uses and sources reconcile at $372,792.41 each. Not a Closing Disclosure.