Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$47,129Cash toward the purchase price.
Closing costs + prepaids$11,412Not just lender fees.
Before credits & paid funds$58,541The complete starting cash picture.
Estimated remaining funds due at closing
$58,541No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$47,129.45
Your down payment$47,129.45
Closing costs + prepaids$11,412.01
Total buyer cash needed$58,541.46
Remaining funds due$58,541.46
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,319.00
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)$349.75
Prepaid interest, first (28 days)$1,518.26
Fees + prepaids$11,412.01
Your down payment is the seller’s equity. You take over the $284,771 balance, so the rest of the $331,900 price is paid at closing. A second mortgage can cover part of it. $58,541.46 is due at closing. Uses and sources reconcile at $343,312.01 each. Not a Closing Disclosure.