Follow the dollars · Assumption only
A complete cash picture for Dec 27, 2026
Your down payment$36,466Cash toward the purchase price.
Closing costs + prepaids$10,377Not just lender fees.
Before credits & paid funds$46,843The complete starting cash picture.
Estimated remaining funds due at closing
$46,843No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$36,465.76
Your down payment$36,465.76
Closing costs + prepaids$10,376.78
Total buyer cash needed$46,842.54
Remaining funds due$46,842.54
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,120.00
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)$795.50
Prepaid interest, first (5 days)$236.28
Fees + prepaids$10,376.78
Your down payment is the seller’s equity. You take over the $275,534 balance, so the rest of the $312,000 price is paid at closing. A second mortgage can cover part of it. $46,842.54 is due at closing. Uses and sources reconcile at $322,376.78 each. Not a Closing Disclosure.