Follow the dollars · Assumption only
A complete cash picture for Dec 14, 2026
Your down payment$48,826Cash toward the purchase price.
Closing costs + prepaids$11,109Not just lender fees.
Before credits & paid funds$59,935The complete starting cash picture.
Estimated remaining funds due at closing
$59,935No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$48,825.72
Your down payment$48,825.72
Closing costs + prepaids$11,109.03
Total buyer cash needed$59,934.75
Remaining funds due$59,934.75
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,428.00
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)$232.75
Initial HOA (3 months)$236.01
Prepaid interest, first (18 days)$987.27
Fees + prepaids$11,109.03
Your down payment is the seller’s equity. You take over the $293,974 balance, so the rest of the $342,800 price is paid at closing. A second mortgage can cover part of it. $59,934.75 is due at closing. Uses and sources reconcile at $353,909.03 each. Not a Closing Disclosure.