Follow the dollars · Assumption only
A complete cash picture for Dec 8, 2026
Your down payment$32,470Cash toward the purchase price.
Closing costs + prepaids$11,600Not just lender fees.
Before credits & paid funds$44,071The complete starting cash picture.
Estimated remaining funds due at closing
$44,071No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$32,470.49
Your down payment$32,470.49
Closing costs + prepaids$11,600.18
Total buyer cash needed$44,070.67
Remaining funds due$44,070.67
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,199.95
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)$887.75
Prepaid interest, first (24 days)$1,287.48
Fees + prepaids$11,600.18
Your down payment is the seller’s equity. You take over the $287,525 balance, so the rest of the $319,995 price is paid at closing. A second mortgage can cover part of it. $44,070.67 is due at closing. Uses and sources reconcile at $331,595.18 each. Not a Closing Disclosure.