Follow the dollars · Assumption only
A complete cash picture for Dec 9, 2026
Your down payment$29,892Cash toward the purchase price.
Closing costs + prepaids$11,264Not just lender fees.
Before credits & paid funds$41,156The complete starting cash picture.
Estimated remaining funds due at closing
$41,156No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$29,891.61
Your down payment$29,891.61
Closing costs + prepaids$11,264.24
Total buyer cash needed$41,155.85
Remaining funds due$41,155.85
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,199.00
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)$595.75
Prepaid interest, first (23 days)$1,244.49
Fees + prepaids$11,264.24
Your down payment is the seller’s equity. You take over the $290,008 balance, so the rest of the $319,900 price is paid at closing. A second mortgage can cover part of it. $41,155.85 is due at closing. Uses and sources reconcile at $331,164.24 each. Not a Closing Disclosure.