Follow the dollars · Assumption only
A complete cash picture for Dec 2, 2026
Your down payment$47,761Cash toward the purchase price.
Closing costs + prepaids$12,093Not just lender fees.
Before credits & paid funds$59,854The complete starting cash picture.
Estimated remaining funds due at closing
$59,854No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$47,760.83
Your down payment$47,760.83
Closing costs + prepaids$12,093.48
Total buyer cash needed$59,854.32
Remaining funds due$59,854.32
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,290.00
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)$863.75
Initial HOA (3 months)$165.99
Prepaid interest, first (30 days)$1,548.74
Fees + prepaids$12,093.48
Your down payment is the seller’s equity. You take over the $281,239 balance, so the rest of the $329,000 price is paid at closing. A second mortgage can cover part of it. $59,854.32 is due at closing. Uses and sources reconcile at $341,093.48 each. Not a Closing Disclosure.