Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$21,044Cash toward the purchase price.
Closing costs + prepaids$11,098Not just lender fees.
Before credits & paid funds$32,142The complete starting cash picture.
Estimated remaining funds due at closing
$32,142No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$21,044.43
Your down payment$21,044.43
Closing costs + prepaids$11,097.53
Total buyer cash needed$32,141.96
Remaining funds due$32,141.96
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,125.00
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)$569.25
Prepaid interest, first (28 days)$1,178.28
Fees + prepaids$11,097.53
Your down payment is the seller’s equity. You take over the $291,456 balance, so the rest of the $312,500 price is paid at closing. A second mortgage can cover part of it. $32,141.96 is due at closing. Uses and sources reconcile at $323,597.53 each. Not a Closing Disclosure.