Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$17,240Cash toward the purchase price.
Closing costs + prepaids$12,570Not just lender fees.
Before credits & paid funds$29,809The complete starting cash picture.
Estimated remaining funds due at closing
$29,809No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$17,239.62
Your down payment$17,239.62
Closing costs + prepaids$12,569.73
Total buyer cash needed$29,809.35
Remaining funds due$29,809.35
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,520.00
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)$880.00
Prepaid interest, first (31 days)$1,944.73
Fees + prepaids$12,569.73
Your down payment is the seller’s equity. You take over the $334,760 balance, so the rest of the $352,000 price is paid at closing. A second mortgage can cover part of it. $29,809.35 is due at closing. Uses and sources reconcile at $364,569.73 each. Not a Closing Disclosure.