Follow the dollars · Assumption only
A complete cash picture for Dec 7, 2026
Your down payment$34,298Cash toward the purchase price.
Closing costs + prepaids$11,128Not just lender fees.
Before credits & paid funds$45,426The complete starting cash picture.
Estimated remaining funds due at closing
$45,426No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$34,297.81
Your down payment$34,297.81
Closing costs + prepaids$11,127.77
Total buyer cash needed$45,425.59
Remaining funds due$45,425.59
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,290.00
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)$274.50
Prepaid interest, first (25 days)$1,338.27
Fees + prepaids$11,127.77
Your down payment is the seller’s equity. You take over the $294,702 balance, so the rest of the $329,000 price is paid at closing. A second mortgage can cover part of it. $45,425.59 is due at closing. Uses and sources reconcile at $340,127.77 each. Not a Closing Disclosure.