Follow the dollars · Assumption only
A complete cash picture for Dec 7, 2026
Your down payment$47,629Cash toward the purchase price.
Closing costs + prepaids$11,546Not just lender fees.
Before credits & paid funds$59,175The complete starting cash picture.
Estimated remaining funds due at closing
$59,175No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$47,628.59
Your down payment$47,628.59
Closing costs + prepaids$11,546.44
Total buyer cash needed$59,175.03
Remaining funds due$59,175.03
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,449.00
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)$522.50
Prepaid interest, first (25 days)$1,349.94
Fees + prepaids$11,546.44
Your down payment is the seller’s equity. You take over the $297,271 balance, so the rest of the $344,900 price is paid at closing. A second mortgage can cover part of it. $59,175.03 is due at closing. Uses and sources reconcile at $356,446.44 each. Not a Closing Disclosure.