Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$32,416Cash toward the purchase price.
Closing costs + prepaids$11,512Not just lender fees.
Before credits & paid funds$43,928The complete starting cash picture.
Estimated remaining funds due at closing
$43,928No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$32,416.23
Your down payment$32,416.23
Closing costs + prepaids$11,511.54
Total buyer cash needed$43,927.76
Remaining funds due$43,927.76
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,390.00
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)$222.00
Prepaid interest, first (28 days)$1,674.54
Fees + prepaids$11,511.54
Your down payment is the seller’s equity. You take over the $306,584 balance, so the rest of the $339,000 price is paid at closing. A second mortgage can cover part of it. $43,927.76 is due at closing. Uses and sources reconcile at $350,511.54 each. Not a Closing Disclosure.