Follow the dollars · Assumption only
A complete cash picture for Dec 23, 2026
Your down payment$24,908Cash toward the purchase price.
Closing costs + prepaids$10,830Not just lender fees.
Before credits & paid funds$35,737The complete starting cash picture.
Estimated remaining funds due at closing
$35,737No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$24,907.64
Your down payment$24,907.64
Closing costs + prepaids$10,829.75
Total buyer cash needed$35,737.38
Remaining funds due$35,737.38
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,620.00
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)$434.50
Prepaid interest, first (9 days)$550.25
Fees + prepaids$10,829.75
Your down payment is the seller’s equity. You take over the $337,092 balance, so the rest of the $362,000 price is paid at closing. A second mortgage can cover part of it. $35,737.38 is due at closing. Uses and sources reconcile at $372,829.75 each. Not a Closing Disclosure.