Follow the dollars · Assumption only
A complete cash picture for Dec 9, 2026
Your down payment$8,335Cash toward the purchase price.
Closing costs + prepaids$11,738Not just lender fees.
Before credits & paid funds$20,073The complete starting cash picture.
Estimated remaining funds due at closing
$20,073No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$8,335.36
Your down payment$8,335.36
Closing costs + prepaids$11,738.12
Total buyer cash needed$20,073.48
Remaining funds due$20,073.48
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,799.00
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)$173.50
Prepaid interest, first (23 days)$1,540.62
Fees + prepaids$11,738.12
Your down payment is the seller’s equity. You take over the $371,565 balance, so the rest of the $379,900 price is paid at closing. A second mortgage can cover part of it. $20,073.48 is due at closing. Uses and sources reconcile at $391,638.12 each. Not a Closing Disclosure.