Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$43,394Cash toward the purchase price.
Closing costs + prepaids$12,438Not just lender fees.
Before credits & paid funds$55,831The complete starting cash picture.
Estimated remaining funds due at closing
$55,831No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$43,393.98
Your down payment$43,393.98
Closing costs + prepaids$12,437.50
Total buyer cash needed$55,831.48
Remaining funds due$55,831.48
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,299.00
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)$1,307.50
Prepaid interest, first (31 days)$1,606.00
Fees + prepaids$12,437.50
Your down payment is the seller’s equity. You take over the $286,506 balance, so the rest of the $329,900 price is paid at closing. A second mortgage can cover part of it. $55,831.48 is due at closing. Uses and sources reconcile at $342,337.50 each. Not a Closing Disclosure.