Follow the dollars · Assumption only
A complete cash picture for Dec 22, 2026
Your down payment$24,156Cash toward the purchase price.
Closing costs + prepaids$10,419Not just lender fees.
Before credits & paid funds$34,575The complete starting cash picture.
Estimated remaining funds due at closing
$34,575No 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$10,419.20
Total buyer cash needed$34,574.90
Remaining funds due$34,574.90
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)$402.75
Prepaid interest, first (10 days)$435.20
Fees + prepaids$10,419.20
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. $34,574.90 is due at closing. Uses and sources reconcile at $346,044.20 each. Not a Closing Disclosure.