Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$16,827Cash toward the purchase price.
Closing costs + prepaids$11,067Not just lender fees.
Before credits & paid funds$27,895The complete starting cash picture.
Estimated remaining funds due at closing
$27,895No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$16,827.16
Your down payment$16,827.16
Closing costs + prepaids$11,067.45
Total buyer cash needed$27,894.61
Remaining funds due$27,894.61
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,790.00
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)$52.75
Prepaid interest, first (31 days)$999.70
Fees + prepaids$11,067.45
Your down payment is the seller’s equity. You take over the $362,173 balance, so the rest of the $379,000 price is paid at closing. A second mortgage can cover part of it. $27,894.61 is due at closing. Uses and sources reconcile at $390,067.45 each. Not a Closing Disclosure.