Follow the dollars · Assumption only
A complete cash picture for Dec 20, 2026
Your down payment$37,914Cash toward the purchase price.
Closing costs + prepaids$10,376Not just lender fees.
Before credits & paid funds$48,290The complete starting cash picture.
Estimated remaining funds due at closing
$48,290No 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$10,376.24
Total buyer cash needed$48,290.17
Remaining funds due$48,290.17
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 (12 days)$614.74
Fees + prepaids$10,376.24
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. $48,290.17 is due at closing. Uses and sources reconcile at $326,126.24 each. Not a Closing Disclosure.