Follow the dollars · Assumption only
A complete cash picture for Dec 12, 2026
Your down payment$25,969Cash toward the purchase price.
Closing costs + prepaids$10,771Not just lender fees.
Before credits & paid funds$36,740The complete starting cash picture.
Estimated remaining funds due at closing
$36,740No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$25,968.69
Your down payment$25,968.69
Closing costs + prepaids$10,771.28
Total buyer cash needed$36,739.97
Remaining funds due$36,739.97
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,210.00
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)$233.75
Prepaid interest, first (20 days)$1,102.53
Fees + prepaids$10,771.28
Your down payment is the seller’s equity. You take over the $295,031 balance, so the rest of the $321,000 price is paid at closing. A second mortgage can cover part of it. $36,739.97 is due at closing. Uses and sources reconcile at $331,771.28 each. Not a Closing Disclosure.