Follow the dollars · Assumption only
A complete cash picture for Dec 2, 2026
Your down payment$9,343Cash toward the purchase price.
Closing costs + prepaids$12,461Not just lender fees.
Before credits & paid funds$21,804The complete starting cash picture.
Estimated remaining funds due at closing
$21,804No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$9,343.31
Your down payment$9,343.31
Closing costs + prepaids$12,460.62
Total buyer cash needed$21,803.93
Remaining funds due$21,803.93
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,800.00
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)$495.00
Prepaid interest, first (30 days)$1,940.62
Fees + prepaids$12,460.62
Your down payment is the seller’s equity. You take over the $370,657 balance, so the rest of the $380,000 price is paid at closing. A second mortgage can cover part of it. $21,803.93 is due at closing. Uses and sources reconcile at $392,460.62 each. Not a Closing Disclosure.