Follow the dollars · Assumption only
A complete cash picture for Dec 23, 2026
Your down payment$48,826Cash toward the purchase price.
Closing costs + prepaids$10,794Not just lender fees.
Before credits & paid funds$59,620The complete starting cash picture.
Estimated remaining funds due at closing
$59,620No 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$10,793.90
Total buyer cash needed$59,619.62
Remaining funds due$59,619.62
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)$411.25
Initial HOA (3 months)$236.01
Prepaid interest, first (9 days)$493.64
Fees + prepaids$10,793.90
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. $59,619.62 is due at closing. Uses and sources reconcile at $353,593.90 each. Not a Closing Disclosure.