Follow the dollars · Assumption only
A complete cash picture for Dec 16, 2026
Your down payment$37,085Cash toward the purchase price.
Closing costs + prepaids$10,798Not just lender fees.
Before credits & paid funds$47,883The complete starting cash picture.
Estimated remaining funds due at closing
$47,883No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$37,085.14
Your down payment$37,085.14
Closing costs + prepaids$10,797.78
Total buyer cash needed$47,882.92
Remaining funds due$47,882.92
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,299.00
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)$412.50
Prepaid interest, first (16 days)$861.28
Fees + prepaids$10,797.78
Your down payment is the seller’s equity. You take over the $292,815 balance, so the rest of the $329,900 price is paid at closing. A second mortgage can cover part of it. $47,882.92 is due at closing. Uses and sources reconcile at $340,697.78 each. Not a Closing Disclosure.