Follow the dollars · Assumption only
A complete cash picture for Dec 7, 2026
Your down payment$34,883Cash toward the purchase price.
Closing costs + prepaids$10,517Not just lender fees.
Before credits & paid funds$45,400The complete starting cash picture.
Estimated remaining funds due at closing
$45,400No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$34,883.42
Your down payment$34,883.42
Closing costs + prepaids$10,517.05
Total buyer cash needed$45,400.46
Remaining funds due$45,400.46
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,249.90
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)$336.75
Prepaid interest, first (25 days)$705.40
Fees + prepaids$10,517.05
Your down payment is the seller’s equity. You take over the $290,107 balance, so the rest of the $324,990 price is paid at closing. A second mortgage can cover part of it. $45,400.46 is due at closing. Uses and sources reconcile at $335,507.05 each. Not a Closing Disclosure.