Follow the dollars · Assumption only
A complete cash picture for Dec 7, 2026
Your down payment$19,666Cash toward the purchase price.
Closing costs + prepaids$11,929Not just lender fees.
Before credits & paid funds$31,595The complete starting cash picture.
Estimated remaining funds due at closing
$31,595No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$19,666.45
Your down payment$19,666.45
Closing costs + prepaids$11,929.01
Total buyer cash needed$31,595.47
Remaining funds due$31,595.47
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,790.00
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)$250.25
Prepaid interest, first (25 days)$1,663.76
Fees + prepaids$11,929.01
Your down payment is the seller’s equity. You take over the $359,334 balance, so the rest of the $379,000 price is paid at closing. A second mortgage can cover part of it. $31,595.47 is due at closing. Uses and sources reconcile at $390,929.01 each. Not a Closing Disclosure.