Follow the dollars · Assumption only
A complete cash picture for Dec 12, 2026
Your down payment$35,977Cash toward the purchase price.
Closing costs + prepaids$10,736Not just lender fees.
Before credits & paid funds$46,713The complete starting cash picture.
Estimated remaining funds due at closing
$46,713No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$35,976.98
Your down payment$35,976.98
Closing costs + prepaids$10,735.60
Total buyer cash needed$46,712.59
Remaining funds due$46,712.59
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,190.00
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)$264.50
Prepaid interest, first (20 days)$1,056.10
Fees + prepaids$10,735.60
Your down payment is the seller’s equity. You take over the $283,023 balance, so the rest of the $319,000 price is paid at closing. A second mortgage can cover part of it. $46,712.59 is due at closing. Uses and sources reconcile at $329,735.60 each. Not a Closing Disclosure.