Follow the dollars · Assumption only
A complete cash picture for Dec 22, 2026
Your down payment$48,647Cash toward the purchase price.
Closing costs + prepaids$10,394Not just lender fees.
Before credits & paid funds$59,041The complete starting cash picture.
Estimated remaining funds due at closing
$59,041No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$48,646.91
Your down payment$48,646.91
Closing costs + prepaids$10,393.60
Total buyer cash needed$59,040.51
Remaining funds due$59,040.51
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,340.00
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)$400.75
Initial HOA (3 months)$198.00
Prepaid interest, first (10 days)$229.85
Fees + prepaids$10,393.60
Your down payment is the seller’s equity. You take over the $285,353 balance, so the rest of the $334,000 price is paid at closing. A second mortgage can cover part of it. $59,040.51 is due at closing. Uses and sources reconcile at $344,393.60 each. Not a Closing Disclosure.