Follow the dollars · Assumption only
A complete cash picture for Dec 28, 2026
Your down payment$17,333Cash toward the purchase price.
Closing costs + prepaids$11,257Not just lender fees.
Before credits & paid funds$28,590The complete starting cash picture.
Estimated remaining funds due at closing
$28,590No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$17,332.77
Your down payment$17,332.77
Closing costs + prepaids$11,256.96
Total buyer cash needed$28,589.73
Remaining funds due$28,589.73
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)$966.50
Prepaid interest, first (4 days)$275.46
Fees + prepaids$11,256.96
Your down payment is the seller’s equity. You take over the $361,667 balance, so the rest of the $379,000 price is paid at closing. A second mortgage can cover part of it. $28,589.73 is due at closing. Uses and sources reconcile at $390,256.96 each. Not a Closing Disclosure.