Follow the dollars · Assumption only
A complete cash picture for Dec 23, 2026
Your down payment$31,947Cash toward the purchase price.
Closing costs + prepaids$10,364Not just lender fees.
Before credits & paid funds$42,311The complete starting cash picture.
Estimated remaining funds due at closing
$42,311No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$31,947.08
Your down payment$31,947.08
Closing costs + prepaids$10,363.87
Total buyer cash needed$42,310.95
Remaining funds due$42,310.95
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,290.00
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)$394.75
Prepaid interest, first (9 days)$454.12
Fees + prepaids$10,363.87
Your down payment is the seller’s equity. You take over the $297,053 balance, so the rest of the $329,000 price is paid at closing. A second mortgage can cover part of it. $42,310.95 is due at closing. Uses and sources reconcile at $339,363.87 each. Not a Closing Disclosure.