Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$29,718Cash toward the purchase price.
Closing costs + prepaids$9,913Not just lender fees.
Before credits & paid funds$39,632The complete starting cash picture.
Estimated remaining funds due at closing
$39,632No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$29,718.19
Your down payment$29,718.19
Closing costs + prepaids$9,913.43
Total buyer cash needed$39,631.62
Remaining funds due$39,631.62
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,350.00
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)$311.50
Prepaid interest, first (1 days)$26.93
Fees + prepaids$9,913.43
Your down payment is the seller’s equity. You take over the $305,282 balance, so the rest of the $335,000 price is paid at closing. A second mortgage can cover part of it. $39,631.62 is due at closing. Uses and sources reconcile at $344,913.43 each. Not a Closing Disclosure.