Follow the dollars · Assumption only
A complete cash picture for Dec 2, 2026
Your down payment$22,573Cash toward the purchase price.
Closing costs + prepaids$13,078Not just lender fees.
Before credits & paid funds$35,651The complete starting cash picture.
Estimated remaining funds due at closing
$35,651No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$22,573.24
Your down payment$22,573.24
Closing costs + prepaids$13,077.92
Total buyer cash needed$35,651.16
Remaining funds due$35,651.16
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)$1,327.00
Prepaid interest, first (30 days)$1,926.92
Fees + prepaids$13,077.92
Your down payment is the seller’s equity. You take over the $337,327 balance, so the rest of the $359,900 price is paid at closing. A second mortgage can cover part of it. $35,651.16 is due at closing. Uses and sources reconcile at $372,977.92 each. Not a Closing Disclosure.