Follow the dollars · Assumption only
A complete cash picture for Nov 29, 2026
Your down payment$48,303Cash toward the purchase price.
Closing costs + prepaids$10,519Not just lender fees.
Before credits & paid funds$58,822The complete starting cash picture.
Estimated remaining funds due at closing
$58,822No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$48,303.03
Your down payment$48,303.03
Closing costs + prepaids$10,518.95
Total buyer cash needed$58,821.98
Remaining funds due$58,821.98
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,249.00
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)$941.00
Initial HOA (3 months)$60.00
Prepaid interest, first (2 days)$43.95
Fees + prepaids$10,518.95
Your down payment is the seller’s equity. You take over the $276,597 balance, so the rest of the $324,900 price is paid at closing. A second mortgage can cover part of it. $58,821.98 is due at closing. Uses and sources reconcile at $335,418.95 each. Not a Closing Disclosure.