Follow the dollars · Assumption only
A complete cash picture for Dec 2, 2026
Your down payment$26,672Cash toward the purchase price.
Closing costs + prepaids$11,679Not just lender fees.
Before credits & paid funds$38,351The complete starting cash picture.
Estimated remaining funds due at closing
$38,351No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$26,672.36
Your down payment$26,672.36
Closing costs + prepaids$11,678.79
Total buyer cash needed$38,351.15
Remaining funds due$38,351.15
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,189.00
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)$797.25
Prepaid interest, first (30 days)$1,467.54
Fees + prepaids$11,678.79
Your down payment is the seller’s equity. You take over the $292,228 balance, so the rest of the $318,900 price is paid at closing. A second mortgage can cover part of it. $38,351.15 is due at closing. Uses and sources reconcile at $330,578.79 each. Not a Closing Disclosure.