Follow the dollars · Assumption only
A complete cash picture for Nov 29, 2026
Your down payment$21,914Cash toward the purchase price.
Closing costs + prepaids$10,503Not just lender fees.
Before credits & paid funds$32,417The complete starting cash picture.
Estimated remaining funds due at closing
$32,417No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$21,913.55
Your down payment$21,913.55
Closing costs + prepaids$10,503.12
Total buyer cash needed$32,416.67
Remaining funds due$32,416.67
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,820.00
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)$323.75
Prepaid interest, first (2 days)$134.37
Fees + prepaids$10,503.12
Your down payment is the seller’s equity. You take over the $360,086 balance, so the rest of the $382,000 price is paid at closing. A second mortgage can cover part of it. $32,416.67 is due at closing. Uses and sources reconcile at $392,503.12 each. Not a Closing Disclosure.