Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$49,984Cash toward the purchase price.
Closing costs + prepaids$11,627Not just lender fees.
Before credits & paid funds$61,611The complete starting cash picture.
Estimated remaining funds due at closing
$61,611No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$49,984.43
Your down payment$49,984.43
Closing costs + prepaids$11,626.97
Total buyer cash needed$61,611.40
Remaining funds due$61,611.40
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)$403.25
Prepaid interest, first (28 days)$1,549.72
Fees + prepaids$11,626.97
Your down payment is the seller’s equity. You take over the $294,916 balance, so the rest of the $344,900 price is paid at closing. A second mortgage can cover part of it. $61,611.40 is due at closing. Uses and sources reconcile at $356,526.97 each. Not a Closing Disclosure.