Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$48,518Cash toward the purchase price.
Closing costs + prepaids$11,656Not just lender fees.
Before credits & paid funds$60,174The complete starting cash picture.
Estimated remaining funds due at closing
$60,174No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$48,518.37
Your down payment$48,518.37
Closing costs + prepaids$11,655.64
Total buyer cash needed$60,174.01
Remaining funds due$60,174.01
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,290.00
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)$814.00
Prepaid interest, first (26 days)$1,326.64
Fees + prepaids$11,655.64
Your down payment is the seller’s equity. You take over the $280,482 balance, so the rest of the $329,000 price is paid at closing. A second mortgage can cover part of it. $60,174.01 is due at closing. Uses and sources reconcile at $340,655.64 each. Not a Closing Disclosure.