Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$23,174Cash toward the purchase price.
Closing costs + prepaids$11,545Not just lender fees.
Before credits & paid funds$34,719The complete starting cash picture.
Estimated remaining funds due at closing
$34,719No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$23,173.70
Your down payment$23,173.70
Closing costs + prepaids$11,545.43
Total buyer cash needed$34,719.13
Remaining funds due$34,719.13
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,279.00
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)$537.75
Prepaid interest, first (31 days)$1,503.68
Fees + prepaids$11,545.43
Your down payment is the seller’s equity. You take over the $304,726 balance, so the rest of the $327,900 price is paid at closing. A second mortgage can cover part of it. $34,719.13 is due at closing. Uses and sources reconcile at $339,445.43 each. Not a Closing Disclosure.