Follow the dollars · Assumption only
A complete cash picture for Dec 23, 2026
Your down payment$19,973Cash toward the purchase price.
Closing costs + prepaids$10,865Not just lender fees.
Before credits & paid funds$30,838The complete starting cash picture.
Estimated remaining funds due at closing
$30,838No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$19,973.32
Your down payment$19,973.32
Closing costs + prepaids$10,864.83
Total buyer cash needed$30,838.15
Remaining funds due$30,838.15
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)$438.00
Prepaid interest, first (9 days)$552.83
Fees + prepaids$10,864.83
Your down payment is the seller’s equity. You take over the $344,927 balance, so the rest of the $364,900 price is paid at closing. A second mortgage can cover part of it. $30,838.15 is due at closing. Uses and sources reconcile at $375,764.83 each. Not a Closing Disclosure.