Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$9,213Cash toward the purchase price.
Closing costs + prepaids$12,952Not just lender fees.
Before credits & paid funds$22,165The complete starting cash picture.
Estimated remaining funds due at closing
$22,165No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$9,213.20
Your down payment$9,213.20
Closing costs + prepaids$12,951.80
Total buyer cash needed$22,165.00
Remaining funds due$22,165.00
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,850.00
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)$1,241.25
Prepaid interest, first (26 days)$1,635.55
Fees + prepaids$12,951.80
Your down payment is the seller’s equity. You take over the $375,787 balance, so the rest of the $385,000 price is paid at closing. A second mortgage can cover part of it. $22,165.00 is due at closing. Uses and sources reconcile at $397,951.80 each. Not a Closing Disclosure.