Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$24,156Cash toward the purchase price.
Closing costs + prepaids$10,925Not just lender fees.
Before credits & paid funds$35,080The complete starting cash picture.
Estimated remaining funds due at closing
$35,080No 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$10,924.55
Total buyer cash needed$35,080.24
Remaining funds due$35,080.24
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 (27 days)$1,175.05
Fees + prepaids$10,924.55
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. $35,080.24 is due at closing. Uses and sources reconcile at $346,549.55 each. Not a Closing Disclosure.