Follow the dollars · Assumption only
A complete cash picture for Dec 26, 2026
Your down payment$37,914Cash toward the purchase price.
Closing costs + prepaids$10,069Not just lender fees.
Before credits & paid funds$47,983The complete starting cash picture.
Estimated remaining funds due at closing
$47,983No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$37,913.93
Your down payment$37,913.93
Closing costs + prepaids$10,068.87
Total buyer cash needed$47,982.80
Remaining funds due$47,982.80
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,157.50
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)$379.00
Prepaid interest, first (6 days)$307.37
Fees + prepaids$10,068.87
Your down payment is the seller’s equity. You take over the $277,836 balance, so the rest of the $315,750 price is paid at closing. A second mortgage can cover part of it. $47,982.80 is due at closing. Uses and sources reconcile at $325,818.87 each. Not a Closing Disclosure.