Follow the dollars · Assumption only
A complete cash picture for Dec 12, 2026
Your down payment$8,751Cash toward the purchase price.
Closing costs + prepaids$11,468Not just lender fees.
Before credits & paid funds$20,218The complete starting cash picture.
Estimated remaining funds due at closing
$20,218No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$8,750.87
Your down payment$8,750.87
Closing costs + prepaids$11,467.61
Total buyer cash needed$20,218.48
Remaining funds due$20,218.48
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)$555.25
Prepaid interest, first (20 days)$1,187.36
Fees + prepaids$11,467.61
Your down payment is the seller’s equity. You take over the $341,249 balance, so the rest of the $350,000 price is paid at closing. A second mortgage can cover part of it. $20,218.48 is due at closing. Uses and sources reconcile at $361,467.61 each. Not a Closing Disclosure.