Follow the dollars · Assumption only
A complete cash picture for Dec 15, 2026
Your down payment$2,429Cash toward the purchase price.
Closing costs + prepaids$11,350Not just lender fees.
Before credits & paid funds$13,779The complete starting cash picture.
Estimated remaining funds due at closing
$13,779No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$2,428.67
Your down payment$2,428.67
Closing costs + prepaids$11,350.14
Total buyer cash needed$13,778.81
Remaining funds due$13,778.81
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,590.00
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)$430.75
Prepaid interest, first (17 days)$1,104.39
Fees + prepaids$11,350.14
Your down payment is the seller’s equity. You take over the $356,571 balance, so the rest of the $359,000 price is paid at closing. A second mortgage can cover part of it. $13,778.81 is due at closing. Uses and sources reconcile at $370,350.14 each. Not a Closing Disclosure.