Follow the dollars · Assumption only
A complete cash picture for Dec 8, 2026
Your down payment$43,272Cash toward the purchase price.
Closing costs + prepaids$13,111Not just lender fees.
Before credits & paid funds$56,383The complete starting cash picture.
Estimated remaining funds due at closing
$56,383No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$43,272.15
Your down payment$43,272.15
Closing costs + prepaids$13,111.13
Total buyer cash needed$56,383.28
Remaining funds due$56,383.28
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,449.00
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)$1,366.75
Initial HOA (3 months)$690.00
Prepaid interest, first (24 days)$1,380.38
Fees + prepaids$13,111.13
Your down payment is the seller’s equity. You take over the $301,628 balance, so the rest of the $344,900 price is paid at closing. A second mortgage can cover part of it. $56,383.28 is due at closing. Uses and sources reconcile at $358,011.13 each. Not a Closing Disclosure.