Follow the dollars · Assumption only
A complete cash picture for Nov 29, 2026
Your down payment$42,138Cash toward the purchase price.
Closing costs + prepaids$9,854Not just lender fees.
Before credits & paid funds$51,992The complete starting cash picture.
Estimated remaining funds due at closing
$51,992No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$42,137.97
Your down payment$42,137.97
Closing costs + prepaids$9,854.08
Total buyer cash needed$51,992.05
Remaining funds due$51,992.05
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)$231.25
Prepaid interest, first (2 days)$107.83
Fees + prepaids$9,854.08
Your down payment is the seller’s equity. You take over the $286,862 balance, so the rest of the $329,000 price is paid at closing. A second mortgage can cover part of it. $51,992.05 is due at closing. Uses and sources reconcile at $338,854.08 each. Not a Closing Disclosure.