Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$31,912Cash toward the purchase price.
Closing costs + prepaids$11,294Not just lender fees.
Before credits & paid funds$43,206The complete starting cash picture.
Estimated remaining funds due at closing
$43,206No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$31,912.07
Your down payment$31,912.07
Closing costs + prepaids$11,294.21
Total buyer cash needed$43,206.28
Remaining funds due$43,206.28
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,230.00
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)$232.25
Prepaid interest, first (31 days)$1,606.96
Fees + prepaids$11,294.21
Your down payment is the seller’s equity. You take over the $291,088 balance, so the rest of the $323,000 price is paid at closing. A second mortgage can cover part of it. $43,206.28 is due at closing. Uses and sources reconcile at $334,294.21 each. Not a Closing Disclosure.