Follow the dollars · Assumption only
A complete cash picture for Dec 7, 2026
Your down payment$29,088Cash toward the purchase price.
Closing costs + prepaids$12,354Not just lender fees.
Before credits & paid funds$41,443The complete starting cash picture.
Estimated remaining funds due at closing
$41,443No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$29,088.30
Your down payment$29,088.30
Closing costs + prepaids$12,354.40
Total buyer cash needed$41,442.69
Remaining funds due$41,442.69
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,399.75
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)$1,254.00
Prepaid interest, first (25 days)$1,475.65
Fees + prepaids$12,354.40
Your down payment is the seller’s equity. You take over the $310,887 balance, so the rest of the $339,975 price is paid at closing. A second mortgage can cover part of it. $41,442.69 is due at closing. Uses and sources reconcile at $352,329.40 each. Not a Closing Disclosure.