Follow the dollars · Assumption only
A complete cash picture for Nov 29, 2026
Your down payment$48,123Cash toward the purchase price.
Closing costs + prepaids$9,843Not just lender fees.
Before credits & paid funds$57,966The complete starting cash picture.
Estimated remaining funds due at closing
$57,966No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$48,122.67
Your down payment$48,122.67
Closing costs + prepaids$9,843.26
Total buyer cash needed$57,965.93
Remaining funds due$57,965.93
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,349.00
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)$162.25
Prepaid interest, first (2 days)$107.01
Fees + prepaids$9,843.26
Your down payment is the seller’s equity. You take over the $286,777 balance, so the rest of the $334,900 price is paid at closing. A second mortgage can cover part of it. $57,965.93 is due at closing. Uses and sources reconcile at $344,743.26 each. Not a Closing Disclosure.