Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$31,519Cash toward the purchase price.
Closing costs + prepaids$11,683Not just lender fees.
Before credits & paid funds$43,202The complete starting cash picture.
Estimated remaining funds due at closing
$43,202No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$31,518.59
Your down payment$31,518.59
Closing costs + prepaids$11,683.20
Total buyer cash needed$43,201.79
Remaining funds due$43,201.79
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,550.00
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)$258.00
Prepaid interest, first (28 days)$1,650.20
Fees + prepaids$11,683.20
Your down payment is the seller’s equity. You take over the $323,481 balance, so the rest of the $355,000 price is paid at closing. A second mortgage can cover part of it. $43,201.79 is due at closing. Uses and sources reconcile at $366,683.20 each. Not a Closing Disclosure.