Follow the dollars · Assumption only
A complete cash picture for Dec 7, 2026
Your down payment$44,111Cash toward the purchase price.
Closing costs + prepaids$11,359Not just lender fees.
Before credits & paid funds$55,470The complete starting cash picture.
Estimated remaining funds due at closing
$55,470No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$44,110.98
Your down payment$44,110.98
Closing costs + prepaids$11,359.34
Total buyer cash needed$55,470.32
Remaining funds due$55,470.32
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)$576.00
Prepaid interest, first (25 days)$1,268.34
Fees + prepaids$11,359.34
Your down payment is the seller’s equity. You take over the $284,889 balance, so the rest of the $329,000 price is paid at closing. A second mortgage can cover part of it. $55,470.32 is due at closing. Uses and sources reconcile at $340,359.34 each. Not a Closing Disclosure.