Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$31,717Cash toward the purchase price.
Closing costs + prepaids$7,796Not just lender fees.
Before credits & paid funds$39,513The complete starting cash picture.
Estimated remaining funds due at closing
$39,513No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$31,717.30
Your down payment$31,717.30
Closing costs + prepaids$7,795.93
Total buyer cash needed$39,513.23
Remaining funds due$39,513.23
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$1,160.00
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)$210.50
Prepaid interest, first (28 days)$200.43
Fees + prepaids$7,795.93
Your down payment is the seller’s equity. You take over the $84,283 balance, so the rest of the $116,000 price is paid at closing. A second mortgage can cover part of it. $39,513.23 is due at closing. Uses and sources reconcile at $123,795.93 each. Not a Closing Disclosure.