Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$13,220Cash toward the purchase price.
Closing costs + prepaids$11,899Not just lender fees.
Before credits & paid funds$25,119The complete starting cash picture.
Estimated remaining funds due at closing
$25,119No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$13,220.13
Your down payment$13,220.13
Closing costs + prepaids$11,899.06
Total buyer cash needed$25,119.19
Remaining funds due$25,119.19
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,690.00
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)$336.75
Prepaid interest, first (26 days)$1,647.31
Fees + prepaids$11,899.06
Your down payment is the seller’s equity. You take over the $355,780 balance, so the rest of the $369,000 price is paid at closing. A second mortgage can cover part of it. $25,119.19 is due at closing. Uses and sources reconcile at $380,899.06 each. Not a Closing Disclosure.