Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$49,167Cash toward the purchase price.
Closing costs + prepaids$10,687Not 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$49,167.14
Your down payment$49,167.14
Closing costs + prepaids$10,687.07
Total buyer cash needed$59,854.21
Remaining funds due$59,854.21
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,299.95
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)$238.00
Initial HOA (3 months)$336.00
Prepaid interest, first (26 days)$588.12
Fees + prepaids$10,687.07
Your down payment is the seller’s equity. You take over the $280,828 balance, so the rest of the $329,995 price is paid at closing. A second mortgage can cover part of it. $59,854.21 is due at closing. Uses and sources reconcile at $340,682.07 each. Not a Closing Disclosure.