Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$21,681Cash toward the purchase price.
Closing costs + prepaids$12,719Not just lender fees.
Before credits & paid funds$34,400The complete starting cash picture.
Estimated remaining funds due at closing
$34,400No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$21,680.55
Your down payment$21,680.55
Closing costs + prepaids$12,719.32
Total buyer cash needed$34,399.87
Remaining funds due$34,399.87
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,849.99
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)$944.00
Prepaid interest, first (26 days)$1,700.33
Fees + prepaids$12,719.32
Your down payment is the seller’s equity. You take over the $363,318 balance, so the rest of the $384,999 price is paid at closing. A second mortgage can cover part of it. $34,399.87 is due at closing. Uses and sources reconcile at $397,718.32 each. Not a Closing Disclosure.