Follow the dollars · Assumption only
A complete cash picture for Nov 29, 2026
Your down payment$29,767Cash toward the purchase price.
Closing costs + prepaids$10,502Not just lender fees.
Before credits & paid funds$40,269The complete starting cash picture.
Estimated remaining funds due at closing
$40,269No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$29,766.64
Your down payment$29,766.64
Closing costs + prepaids$10,502.41
Total buyer cash needed$40,269.05
Remaining funds due$40,269.05
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)$860.00
Prepaid interest, first (2 days)$118.41
Fees + prepaids$10,502.41
Your down payment is the seller’s equity. You take over the $300,133 balance, so the rest of the $329,900 price is paid at closing. A second mortgage can cover part of it. $40,269.05 is due at closing. Uses and sources reconcile at $340,402.41 each. Not a Closing Disclosure.