Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$21,973Cash toward the purchase price.
Closing costs + prepaids$11,849Not just lender fees.
Before credits & paid funds$33,823The complete starting cash picture.
Estimated remaining funds due at closing
$33,823No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$21,973.32
Your down payment$21,973.32
Closing costs + prepaids$11,849.23
Total buyer cash needed$33,822.56
Remaining funds due$33,822.56
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,669.00
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)$296.75
Prepaid interest, first (27 days)$1,658.48
Fees + prepaids$11,849.23
Your down payment is the seller’s equity. You take over the $344,927 balance, so the rest of the $366,900 price is paid at closing. A second mortgage can cover part of it. $33,822.56 is due at closing. Uses and sources reconcile at $378,749.23 each. Not a Closing Disclosure.