Follow the dollars · Assumption only
A complete cash picture for Dec 2, 2026
Your down payment$46,196Cash toward the purchase price.
Closing costs + prepaids$12,042Not just lender fees.
Before credits & paid funds$58,237The complete starting cash picture.
Estimated remaining funds due at closing
$58,237No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$46,195.54
Your down payment$46,195.54
Closing costs + prepaids$12,041.64
Total buyer cash needed$58,237.18
Remaining funds due$58,237.18
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,295.00
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)$1,094.25
Prepaid interest, first (30 days)$1,427.39
Fees + prepaids$12,041.64
Your down payment is the seller’s equity. You take over the $283,304 balance, so the rest of the $329,500 price is paid at closing. A second mortgage can cover part of it. $58,237.18 is due at closing. Uses and sources reconcile at $341,541.64 each. Not a Closing Disclosure.