Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$43,659Cash toward the purchase price.
Closing costs + prepaids$11,805Not just lender fees.
Before credits & paid funds$55,464The complete starting cash picture.
Estimated remaining funds due at closing
$55,464No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$43,659.00
Your down payment$43,659.00
Closing costs + prepaids$11,805.40
Total buyer cash needed$55,464.39
Remaining funds due$55,464.39
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,170.00
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)$1,013.25
Initial HOA (3 months)$225.00
Prepaid interest, first (26 days)$1,172.15
Fees + prepaids$11,805.40
Your down payment is the seller’s equity. You take over the $273,341 balance, so the rest of the $317,000 price is paid at closing. A second mortgage can cover part of it. $55,464.39 is due at closing. Uses and sources reconcile at $328,805.40 each. Not a Closing Disclosure.