Follow the dollars · Assumption only
A complete cash picture for Dec 3, 2026
Your down payment$46,488Cash toward the purchase price.
Closing costs + prepaids$12,327Not just lender fees.
Before credits & paid funds$58,815The complete starting cash picture.
Estimated remaining funds due at closing
$58,815No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$46,488.34
Your down payment$46,488.34
Closing costs + prepaids$12,326.83
Total buyer cash needed$58,815.18
Remaining funds due$58,815.18
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,399.00
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)$423.25
Initial HOA (3 months)$720.00
Prepaid interest, first (29 days)$1,559.58
Fees + prepaids$12,326.83
Your down payment is the seller’s equity. You take over the $293,412 balance, so the rest of the $339,900 price is paid at closing. A second mortgage can cover part of it. $58,815.18 is due at closing. Uses and sources reconcile at $352,226.83 each. Not a Closing Disclosure.