Follow the dollars · Assumption only
A complete cash picture for Dec 2, 2026
Your down payment$2,429Cash toward the purchase price.
Closing costs + prepaids$12,102Not just lender fees.
Before credits & paid funds$14,530The complete starting cash picture.
Estimated remaining funds due at closing
$14,530No 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$12,101.68
Total buyer cash needed$14,530.35
Remaining funds due$14,530.35
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)$337.75
Prepaid interest, first (30 days)$1,948.93
Fees + prepaids$12,101.68
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. $14,530.35 is due at closing. Uses and sources reconcile at $371,101.68 each. Not a Closing Disclosure.