Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$23,669Cash toward the purchase price.
Closing costs + prepaids$9,793Not just lender fees.
Before credits & paid funds$33,462The complete starting cash picture.
Estimated remaining funds due at closing
$33,462No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$23,668.92
Your down payment$23,668.92
Closing costs + prepaids$9,793.09
Total buyer cash needed$33,462.01
Remaining funds due$33,462.01
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 (1 days)$43.59
Fees + prepaids$9,793.09
Your down payment is the seller’s equity. You take over the $311,956 balance, so the rest of the $335,625 price is paid at closing. A second mortgage can cover part of it. $33,462.01 is due at closing. Uses and sources reconcile at $345,418.09 each. Not a Closing Disclosure.