Follow the dollars · Assumption only
A complete cash picture for Dec 7, 2026
Your down payment$31,424Cash toward the purchase price.
Closing costs + prepaids$12,094Not just lender fees.
Before credits & paid funds$43,519The complete starting cash picture.
Estimated remaining funds due at closing
$43,519No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$31,424.25
Your down payment$31,424.25
Closing costs + prepaids$12,094.32
Total buyer cash needed$43,518.57
Remaining funds due$43,518.57
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,740.00
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)$935.00
Prepaid interest, first (25 days)$1,194.32
Fees + prepaids$12,094.32
Your down payment is the seller’s equity. You take over the $342,576 balance, so the rest of the $374,000 price is paid at closing. A second mortgage can cover part of it. $43,518.57 is due at closing. Uses and sources reconcile at $386,094.32 each. Not a Closing Disclosure.