Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$46,874Cash toward the purchase price.
Closing costs + prepaids$11,396Not just lender fees.
Before credits & paid funds$58,270The complete starting cash picture.
Estimated remaining funds due at closing
$58,270No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$46,874.48
Your down payment$46,874.48
Closing costs + prepaids$11,395.68
Total buyer cash needed$58,270.16
Remaining funds due$58,270.16
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,280.00
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)$428.75
Prepaid interest, first (27 days)$1,461.93
Fees + prepaids$11,395.68
Your down payment is the seller’s equity. You take over the $281,126 balance, so the rest of the $328,000 price is paid at closing. A second mortgage can cover part of it. $58,270.16 is due at closing. Uses and sources reconcile at $339,395.68 each. Not a Closing Disclosure.