Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$24,156Cash toward the purchase price.
Closing costs + prepaids$11,099Not just lender fees.
Before credits & paid funds$35,254The complete starting cash picture.
Estimated remaining funds due at closing
$35,254No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$24,155.69
Your down payment$24,155.69
Closing costs + prepaids$11,098.63
Total buyer cash needed$35,254.32
Remaining funds due$35,254.32
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,356.25
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)$168.25
Prepaid interest, first (31 days)$1,349.13
Fees + prepaids$11,098.63
Your down payment is the seller’s equity. You take over the $311,469 balance, so the rest of the $335,625 price is paid at closing. A second mortgage can cover part of it. $35,254.32 is due at closing. Uses and sources reconcile at $346,723.63 each. Not a Closing Disclosure.