Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$41,703Cash toward the purchase price.
Closing costs + prepaids$11,523Not just lender fees.
Before credits & paid funds$53,226The complete starting cash picture.
Estimated remaining funds due at closing
$53,226No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$41,702.79
Your down payment$41,702.79
Closing costs + prepaids$11,523.06
Total buyer cash needed$53,225.85
Remaining funds due$53,225.85
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)$449.50
Prepaid interest, first (26 days)$1,499.56
Fees + prepaids$11,523.06
Your down payment is the seller’s equity. You take over the $293,197 balance, so the rest of the $334,900 price is paid at closing. A second mortgage can cover part of it. $53,225.85 is due at closing. Uses and sources reconcile at $346,423.06 each. Not a Closing Disclosure.