Follow the dollars · Assumption only
A complete cash picture for Dec 7, 2026
Your down payment$37,607Cash toward the purchase price.
Closing costs + prepaids$12,649Not just lender fees.
Before credits & paid funds$50,256The complete starting cash picture.
Estimated remaining funds due at closing
$50,256No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$37,607.08
Your down payment$37,607.08
Closing costs + prepaids$12,648.98
Total buyer cash needed$50,256.06
Remaining funds due$50,256.06
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,299.50
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)$1,867.00
Prepaid interest, first (25 days)$1,257.48
Fees + prepaids$12,648.98
Your down payment is the seller’s equity. You take over the $292,343 balance, so the rest of the $329,950 price is paid at closing. A second mortgage can cover part of it. $50,256.06 is due at closing. Uses and sources reconcile at $342,598.98 each. Not a Closing Disclosure.