Follow the dollars · Assumption only
A complete cash picture for Dec 9, 2026
Your down payment$32,030Cash toward the purchase price.
Closing costs + prepaids$12,260Not just lender fees.
Before credits & paid funds$44,290The complete starting cash picture.
Estimated remaining funds due at closing
$44,290No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$32,029.98
Your down payment$32,029.98
Closing costs + prepaids$12,260.20
Total buyer cash needed$44,290.18
Remaining funds due$44,290.18
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,700.00
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)$989.25
Prepaid interest, first (23 days)$1,345.95
Fees + prepaids$12,260.20
Your down payment is the seller’s equity. You take over the $337,970 balance, so the rest of the $370,000 price is paid at closing. A second mortgage can cover part of it. $44,290.18 is due at closing. Uses and sources reconcile at $382,260.20 each. Not a Closing Disclosure.