Follow the dollars · Assumption only
A complete cash picture for Nov 29, 2026
Your down payment$16,984Cash toward the purchase price.
Closing costs + prepaids$10,588Not just lender fees.
Before credits & paid funds$27,572The complete starting cash picture.
Estimated remaining funds due at closing
$27,572No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$16,983.86
Your down payment$16,983.86
Closing costs + prepaids$10,588.19
Total buyer cash needed$27,572.05
Remaining funds due$27,572.05
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,649.00
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)$592.75
Prepaid interest, first (2 days)$121.44
Fees + prepaids$10,588.19
Your down payment is the seller’s equity. You take over the $347,916 balance, so the rest of the $364,900 price is paid at closing. A second mortgage can cover part of it. $27,572.05 is due at closing. Uses and sources reconcile at $375,488.19 each. Not a Closing Disclosure.