Follow the dollars · Assumption only
A complete cash picture for Dec 14, 2026
Your down payment$31,515Cash toward the purchase price.
Closing costs + prepaids$11,341Not just lender fees.
Before credits & paid funds$42,856The complete starting cash picture.
Estimated remaining funds due at closing
$42,856No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$31,515.19
Your down payment$31,515.19
Closing costs + prepaids$11,340.74
Total buyer cash needed$42,855.92
Remaining funds due$42,855.92
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,699.00
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)$292.00
Prepaid interest, first (18 days)$1,124.74
Fees + prepaids$11,340.74
Your down payment is the seller’s equity. You take over the $338,385 balance, so the rest of the $369,900 price is paid at closing. A second mortgage can cover part of it. $42,855.92 is due at closing. Uses and sources reconcile at $381,240.74 each. Not a Closing Disclosure.