Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$37,768Cash toward the purchase price.
Closing costs + prepaids$11,289Not just lender fees.
Before credits & paid funds$49,057The complete starting cash picture.
Estimated remaining funds due at closing
$49,057No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$37,768.17
Your down payment$37,768.17
Closing costs + prepaids$11,288.64
Total buyer cash needed$49,056.81
Remaining funds due$49,056.81
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)$131.25
Prepaid interest, first (31 days)$1,642.39
Fees + prepaids$11,288.64
Your down payment is the seller’s equity. You take over the $291,232 balance, so the rest of the $329,000 price is paid at closing. A second mortgage can cover part of it. $49,056.81 is due at closing. Uses and sources reconcile at $340,288.64 each. Not a Closing Disclosure.