Follow the dollars · Assumption only
A complete cash picture for Dec 7, 2026
Your down payment$24,420Cash toward the purchase price.
Closing costs + prepaids$12,588Not just lender fees.
Before credits & paid funds$37,008The complete starting cash picture.
Estimated remaining funds due at closing
$37,008No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$24,420.11
Your down payment$24,420.11
Closing costs + prepaids$12,587.94
Total buyer cash needed$37,008.05
Remaining funds due$37,008.05
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,779.88
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)$992.00
Prepaid interest, first (25 days)$1,591.06
Fees + prepaids$12,587.94
Your down payment is the seller’s equity. You take over the $353,568 balance, so the rest of the $377,988 price is paid at closing. A second mortgage can cover part of it. $37,008.05 is due at closing. Uses and sources reconcile at $390,575.94 each. Not a Closing Disclosure.