Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$48,745Cash toward the purchase price.
Closing costs + prepaids$10,541Not just lender fees.
Before credits & paid funds$59,286The complete starting cash picture.
Estimated remaining funds due at closing
$59,286No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$48,744.96
Your down payment$48,744.96
Closing costs + prepaids$10,541.07
Total buyer cash needed$59,286.03
Remaining funds due$59,286.03
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,299.00
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)$310.25
Prepaid interest, first (31 days)$706.82
Fees + prepaids$10,541.07
Your down payment is the seller’s equity. You take over the $281,155 balance, so the rest of the $329,900 price is paid at closing. A second mortgage can cover part of it. $59,286.03 is due at closing. Uses and sources reconcile at $340,441.07 each. Not a Closing Disclosure.