Follow the dollars · Assumption only
A complete cash picture for Dec 3, 2026
Your down payment$23,996Cash toward the purchase price.
Closing costs + prepaids$12,640Not just lender fees.
Before credits & paid funds$36,637The complete starting cash picture.
Estimated remaining funds due at closing
$36,637No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$23,996.42
Your down payment$23,996.42
Closing costs + prepaids$12,640.15
Total buyer cash needed$36,636.57
Remaining funds due$36,636.57
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,499.77
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)$1,177.50
Prepaid interest, first (29 days)$1,737.88
Fees + prepaids$12,640.15
Your down payment is the seller’s equity. You take over the $325,981 balance, so the rest of the $349,977 price is paid at closing. A second mortgage can cover part of it. $36,636.57 is due at closing. Uses and sources reconcile at $362,617.15 each. Not a Closing Disclosure.