Follow the dollars · Assumption only
A complete cash picture for Dec 2, 2026
Your down payment$37,818Cash toward the purchase price.
Closing costs + prepaids$12,218Not just lender fees.
Before credits & paid funds$50,036The complete starting cash picture.
Estimated remaining funds due at closing
$50,036No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$37,818.27
Your down payment$37,818.27
Closing costs + prepaids$12,218.21
Total buyer cash needed$50,036.49
Remaining funds due$50,036.49
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)$1,071.00
Prepaid interest, first (30 days)$1,632.21
Fees + prepaids$12,218.21
Your down payment is the seller’s equity. You take over the $291,182 balance, so the rest of the $329,000 price is paid at closing. A second mortgage can cover part of it. $50,036.49 is due at closing. Uses and sources reconcile at $341,218.21 each. Not a Closing Disclosure.