Follow the dollars · Assumption only
A complete cash picture for Dec 9, 2026
Your down payment$46,577Cash toward the purchase price.
Closing costs + prepaids$11,782Not just lender fees.
Before credits & paid funds$58,359The complete starting cash picture.
Estimated remaining funds due at closing
$58,359No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$46,576.94
Your down payment$46,576.94
Closing costs + prepaids$11,782.24
Total buyer cash needed$58,359.18
Remaining funds due$58,359.18
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,400.00
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)$285.75
Initial HOA (3 months)$690.00
Prepaid interest, first (23 days)$1,181.49
Fees + prepaids$11,782.24
Your down payment is the seller’s equity. You take over the $293,423 balance, so the rest of the $340,000 price is paid at closing. A second mortgage can cover part of it. $58,359.18 is due at closing. Uses and sources reconcile at $351,782.24 each. Not a Closing Disclosure.