Follow the dollars · Assumption only
A complete cash picture for Dec 12, 2026
Your down payment$32,717Cash toward the purchase price.
Closing costs + prepaids$11,069Not just lender fees.
Before credits & paid funds$43,786The complete starting cash picture.
Estimated remaining funds due at closing
$43,786No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$32,717.00
Your down payment$32,717.00
Closing costs + prepaids$11,069.16
Total buyer cash needed$43,786.16
Remaining funds due$43,786.16
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,440.00
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)$362.00
Prepaid interest, first (20 days)$1,042.16
Fees + prepaids$11,069.16
Your down payment is the seller’s equity. You take over the $311,283 balance, so the rest of the $344,000 price is paid at closing. A second mortgage can cover part of it. $43,786.16 is due at closing. Uses and sources reconcile at $355,069.16 each. Not a Closing Disclosure.