Follow the dollars · Assumption only
A complete cash picture for Dec 23, 2026
Your down payment$17,195Cash toward the purchase price.
Closing costs + prepaids$10,949Not just lender fees.
Before credits & paid funds$28,144The complete starting cash picture.
Estimated remaining funds due at closing
$28,144No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$17,194.92
Your down payment$17,194.92
Closing costs + prepaids$10,949.36
Total buyer cash needed$28,144.28
Remaining funds due$28,144.28
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,690.00
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)$442.75
Prepaid interest, first (9 days)$591.61
Fees + prepaids$10,949.36
Your down payment is the seller’s equity. You take over the $351,805 balance, so the rest of the $369,000 price is paid at closing. A second mortgage can cover part of it. $28,144.28 is due at closing. Uses and sources reconcile at $379,949.36 each. Not a Closing Disclosure.