Follow the dollars · Assumption only
A complete cash picture for Dec 2, 2026
Your down payment$14,468Cash toward the purchase price.
Closing costs + prepaids$12,159Not just lender fees.
Before credits & paid funds$26,627The complete starting cash picture.
Estimated remaining funds due at closing
$26,627No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$14,467.52
Your down payment$14,467.52
Closing costs + prepaids$12,159.41
Total buyer cash needed$26,626.93
Remaining funds due$26,626.93
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,649.50
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)$303.00
Prepaid interest, first (30 days)$1,981.91
Fees + prepaids$12,159.41
Your down payment is the seller’s equity. You take over the $350,482 balance, so the rest of the $364,950 price is paid at closing. A second mortgage can cover part of it. $26,626.93 is due at closing. Uses and sources reconcile at $377,109.41 each. Not a Closing Disclosure.