Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$32,687Cash toward the purchase price.
Closing costs + prepaids$10,688Not just lender fees.
Before credits & paid funds$43,375The complete starting cash picture.
Estimated remaining funds due at closing
$43,375No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$32,686.60
Your down payment$32,686.60
Closing costs + prepaids$10,688.47
Total buyer cash needed$43,375.07
Remaining funds due$43,375.07
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$2,998.80
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)$154.25
Prepaid interest, first (27 days)$1,310.42
Fees + prepaids$10,688.47
Your down payment is the seller’s equity. You take over the $267,193 balance, so the rest of the $299,880 price is paid at closing. A second mortgage can cover part of it. $43,375.07 is due at closing. Uses and sources reconcile at $310,568.47 each. Not a Closing Disclosure.