Follow the dollars · Assumption only
A complete cash picture for Dec 2, 2026
Your down payment$27,838Cash toward the purchase price.
Closing costs + prepaids$12,142Not just lender fees.
Before credits & paid funds$39,980The complete starting cash picture.
Estimated remaining funds due at closing
$39,980No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$27,838.34
Your down payment$27,838.34
Closing costs + prepaids$12,142.05
Total buyer cash needed$39,980.39
Remaining funds due$39,980.39
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,540.00
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)$674.75
Prepaid interest, first (30 days)$1,702.30
Fees + prepaids$12,142.05
Your down payment is the seller’s equity. You take over the $326,162 balance, so the rest of the $354,000 price is paid at closing. A second mortgage can cover part of it. $39,980.39 is due at closing. Uses and sources reconcile at $366,142.05 each. Not a Closing Disclosure.