Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$24,763Cash toward the purchase price.
Closing costs + prepaids$12,809Not just lender fees.
Before credits & paid funds$37,572The complete starting cash picture.
Estimated remaining funds due at closing
$37,572No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$24,762.61
Your down payment$24,762.61
Closing costs + prepaids$12,808.93
Total buyer cash needed$37,571.53
Remaining funds due$37,571.53
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,449.00
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)$1,397.50
Prepaid interest, first (31 days)$1,737.43
Fees + prepaids$12,808.93
Your down payment is the seller’s equity. You take over the $320,137 balance, so the rest of the $344,900 price is paid at closing. A second mortgage can cover part of it. $37,571.53 is due at closing. Uses and sources reconcile at $357,708.93 each. Not a Closing Disclosure.