Follow the dollars · Assumption only
A complete cash picture for Dec 7, 2026
Your down payment$50,430Cash toward the purchase price.
Closing costs + prepaids$11,949Not just lender fees.
Before credits & paid funds$62,379The complete starting cash picture.
Estimated remaining funds due at closing
$62,379No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$50,430.43
Your down payment$50,430.43
Closing costs + prepaids$11,948.76
Total buyer cash needed$62,379.18
Remaining funds due$62,379.18
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,295.00
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)$939.75
Prepaid interest, first (25 days)$1,489.01
Fees + prepaids$11,948.76
Your down payment is the seller’s equity. You take over the $279,070 balance, so the rest of the $329,500 price is paid at closing. A second mortgage can cover part of it. $62,379.18 is due at closing. Uses and sources reconcile at $341,448.76 each. Not a Closing Disclosure.