Follow the dollars · Assumption only
A complete cash picture for Dec 7, 2026
Your down payment$44,746Cash toward the purchase price.
Closing costs + prepaids$12,286Not just lender fees.
Before credits & paid funds$57,032The complete starting cash picture.
Estimated remaining funds due at closing
$57,032No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$44,745.71
Your down payment$44,745.71
Closing costs + prepaids$12,286.35
Total buyer cash needed$57,032.06
Remaining funds due$57,032.06
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,340.00
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)$1,140.00
Initial HOA (3 months)$249.99
Prepaid interest, first (25 days)$1,331.36
Fees + prepaids$12,286.35
Your down payment is the seller’s equity. You take over the $289,254 balance, so the rest of the $334,000 price is paid at closing. A second mortgage can cover part of it. $57,032.06 is due at closing. Uses and sources reconcile at $346,286.35 each. Not a Closing Disclosure.