Follow the dollars · Assumption only
A complete cash picture for Dec 9, 2026
Your down payment$48,098Cash toward the purchase price.
Closing costs + prepaids$12,435Not just lender fees.
Before credits & paid funds$60,533The complete starting cash picture.
Estimated remaining funds due at closing
$60,533No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$48,098.03
Your down payment$48,098.03
Closing costs + prepaids$12,434.82
Total buyer cash needed$60,532.84
Remaining funds due$60,532.84
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)$1,880.25
Initial HOA (3 months)$62.49
Prepaid interest, first (23 days)$977.08
Fees + prepaids$12,434.82
Your down payment is the seller’s equity. You take over the $280,902 balance, so the rest of the $329,000 price is paid at closing. A second mortgage can cover part of it. $60,532.84 is due at closing. Uses and sources reconcile at $341,434.82 each. Not a Closing Disclosure.