Follow the dollars · Assumption only
A complete cash picture for Dec 9, 2026
Your down payment$50,334Cash toward the purchase price.
Closing costs + prepaids$10,836Not just lender fees.
Before credits & paid funds$61,170The complete starting cash picture.
Estimated remaining funds due at closing
$61,170No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$50,334.39
Your down payment$50,334.39
Closing costs + prepaids$10,835.57
Total buyer cash needed$61,169.97
Remaining funds due$61,169.97
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,399.00
Title & settlement$1,825.00
Recording fee$100.00
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Prepaid interest, first (23 days)$1,211.57
Fees + prepaids$10,835.57
Your down payment is the seller’s equity. You take over the $289,566 balance, so the rest of the $339,900 price is paid at closing. A second mortgage can cover part of it. $61,169.97 is due at closing. Uses and sources reconcile at $350,735.57 each. Not a Closing Disclosure.