Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$48,556Cash toward the purchase price.
Closing costs + prepaids$12,902Not just lender fees.
Before credits & paid funds$61,458The complete starting cash picture.
Estimated remaining funds due at closing
$61,458No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$48,555.87
Your down payment$48,555.87
Closing costs + prepaids$12,902.46
Total buyer cash needed$61,458.33
Remaining funds due$61,458.33
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,254.00
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)$1,358.75
Initial HOA (3 months)$666.00
Prepaid interest, first (27 days)$1,398.71
Fees + prepaids$12,902.46
Your down payment is the seller’s equity. You take over the $276,844 balance, so the rest of the $325,400 price is paid at closing. A second mortgage can cover part of it. $61,458.33 is due at closing. Uses and sources reconcile at $338,302.46 each. Not a Closing Disclosure.