Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$30,739Cash toward the purchase price.
Closing costs + prepaids$12,134Not just lender fees.
Before credits & paid funds$42,873The complete starting cash picture.
Estimated remaining funds due at closing
$42,873No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$30,739.15
Your down payment$30,739.15
Closing costs + prepaids$12,133.90
Total buyer cash needed$42,873.05
Remaining funds due$42,873.05
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,599.00
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)$523.50
Prepaid interest, first (31 days)$1,786.40
Fees + prepaids$12,133.90
Your down payment is the seller’s equity. You take over the $329,161 balance, so the rest of the $359,900 price is paid at closing. A second mortgage can cover part of it. $42,873.05 is due at closing. Uses and sources reconcile at $372,033.90 each. Not a Closing Disclosure.