Follow the dollars · Assumption only
A complete cash picture for Dec 2, 2026
Your down payment$46,621Cash toward the purchase price.
Closing costs + prepaids$13,213Not just lender fees.
Before credits & paid funds$59,835The complete starting cash picture.
Estimated remaining funds due at closing
$59,835No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$46,621.26
Your down payment$46,621.26
Closing costs + prepaids$13,213.31
Total buyer cash needed$59,834.57
Remaining funds due$59,834.57
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,390.00
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)$1,937.75
Initial HOA (3 months)$62.49
Prepaid interest, first (30 days)$1,598.07
Fees + prepaids$13,213.31
Your down payment is the seller’s equity. You take over the $292,379 balance, so the rest of the $339,000 price is paid at closing. A second mortgage can cover part of it. $59,834.57 is due at closing. Uses and sources reconcile at $352,213.31 each. Not a Closing Disclosure.