Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$11,621Cash toward the purchase price.
Closing costs + prepaids$11,924Not just lender fees.
Before credits & paid funds$23,545The complete starting cash picture.
Estimated remaining funds due at closing
$23,545No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$11,620.60
Your down payment$11,620.60
Closing costs + prepaids$11,924.30
Total buyer cash needed$23,544.90
Remaining funds due$23,544.90
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,599.00
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)$403.75
Prepaid interest, first (28 days)$1,696.55
Fees + prepaids$11,924.30
Your down payment is the seller’s equity. You take over the $348,279 balance, so the rest of the $359,900 price is paid at closing. A second mortgage can cover part of it. $23,544.90 is due at closing. Uses and sources reconcile at $371,824.30 each. Not a Closing Disclosure.