Follow the dollars · Assumption only
A complete cash picture for Dec 20, 2026
Your down payment$21,276Cash toward the purchase price.
Closing costs + prepaids$11,048Not just lender fees.
Before credits & paid funds$32,323The complete starting cash picture.
Estimated remaining funds due at closing
$32,323No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$21,275.91
Your down payment$21,275.91
Closing costs + prepaids$11,047.53
Total buyer cash needed$32,323.44
Remaining funds due$32,323.44
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,650.00
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 (12 days)$734.53
Fees + prepaids$11,047.53
Your down payment is the seller’s equity. You take over the $343,724 balance, so the rest of the $365,000 price is paid at closing. A second mortgage can cover part of it. $32,323.44 is due at closing. Uses and sources reconcile at $376,047.53 each. Not a Closing Disclosure.