Follow the dollars · Assumption only
A complete cash picture for Dec 8, 2026
Your down payment$53,380Cash toward the purchase price.
Closing costs + prepaids$10,831Not just lender fees.
Before credits & paid funds$64,211The complete starting cash picture.
Estimated remaining funds due at closing
$64,211No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$53,379.96
Your down payment$53,379.96
Closing costs + prepaids$10,831.49
Total buyer cash needed$64,211.45
Remaining funds due$64,211.45
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,399.99
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)$536.00
Initial HOA (3 months)$82.50
Prepaid interest, first (24 days)$588.00
Fees + prepaids$10,831.49
Your down payment is the seller’s equity. You take over the $286,619 balance, so the rest of the $339,999 price is paid at closing. A second mortgage can cover part of it. $64,211.45 is due at closing. Uses and sources reconcile at $350,830.49 each. Not a Closing Disclosure.