Follow the dollars · Assumption only
A complete cash picture for Dec 14, 2026
Your down payment$32,556Cash toward the purchase price.
Closing costs + prepaids$10,773Not just lender fees.
Before credits & paid funds$43,329The complete starting cash picture.
Estimated remaining funds due at closing
$43,329No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$32,556.48
Your down payment$32,556.48
Closing costs + prepaids$10,772.69
Total buyer cash needed$43,329.17
Remaining funds due$43,329.17
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$2,999.99
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)$720.75
Prepaid interest, first (18 days)$826.95
Fees + prepaids$10,772.69
Your down payment is the seller’s equity. You take over the $267,443 balance, so the rest of the $299,999 price is paid at closing. A second mortgage can cover part of it. $43,329.17 is due at closing. Uses and sources reconcile at $310,771.69 each. Not a Closing Disclosure.