Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$50,023Cash toward the purchase price.
Closing costs + prepaids$9,677Not just lender fees.
Before credits & paid funds$59,699The complete starting cash picture.
Estimated remaining funds due at closing
$59,699No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$50,022.57
Your down payment$50,022.57
Closing costs + prepaids$9,676.73
Total buyer cash needed$59,699.30
Remaining funds due$59,699.30
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,399.00
Title & settlement$1,825.00
Recording fee$100.00
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Prepaid interest, first (1 days)$52.73
Fees + prepaids$9,676.73
Your down payment is the seller’s equity. You take over the $289,877 balance, so the rest of the $339,900 price is paid at closing. A second mortgage can cover part of it. $59,699.30 is due at closing. Uses and sources reconcile at $349,576.73 each. Not a Closing Disclosure.