Follow the dollars · Assumption only
A complete cash picture for Dec 23, 2026
Your down payment$15,506Cash toward the purchase price.
Closing costs + prepaids$10,398Not just lender fees.
Before credits & paid funds$25,904The complete starting cash picture.
Estimated remaining funds due at closing
$25,904No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$15,505.84
Your down payment$15,505.84
Closing costs + prepaids$10,398.21
Total buyer cash needed$25,904.05
Remaining funds due$25,904.05
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,500.00
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)$420.00
Prepaid interest, first (9 days)$253.21
Fees + prepaids$10,398.21
Your down payment is the seller’s equity. You take over the $334,494 balance, so the rest of the $350,000 price is paid at closing. A second mortgage can cover part of it. $25,904.05 is due at closing. Uses and sources reconcile at $360,398.21 each. Not a Closing Disclosure.