Follow the dollars · Assumption only
A complete cash picture for Dec 8, 2026
Your down payment$27,617Cash toward the purchase price.
Closing costs + prepaids$11,530Not just lender fees.
Before credits & paid funds$39,146The complete starting cash picture.
Estimated remaining funds due at closing
$39,146No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$27,616.69
Your down payment$27,616.69
Closing costs + prepaids$11,529.66
Total buyer cash needed$39,146.35
Remaining funds due$39,146.35
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,199.00
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)$843.00
Prepaid interest, first (24 days)$1,262.66
Fees + prepaids$11,529.66
Your down payment is the seller’s equity. You take over the $292,283 balance, so the rest of the $319,900 price is paid at closing. A second mortgage can cover part of it. $39,146.35 is due at closing. Uses and sources reconcile at $331,429.66 each. Not a Closing Disclosure.