Follow the dollars · Assumption only
A complete cash picture for Dec 12, 2026
Your down payment$54,555Cash toward the purchase price.
Closing costs + prepaids$10,887Not just lender fees.
Before credits & paid funds$65,442The complete starting cash picture.
Estimated remaining funds due at closing
$65,442No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$54,555.46
Your down payment$54,555.46
Closing costs + prepaids$10,886.99
Total buyer cash needed$65,442.44
Remaining funds due$65,442.44
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,349.99
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)$382.75
Initial HOA (3 months)$81.00
Prepaid interest, first (20 days)$848.25
Fees + prepaids$10,886.99
Your down payment is the seller’s equity. You take over the $280,444 balance, so the rest of the $334,999 price is paid at closing. A second mortgage can cover part of it. $65,442.44 is due at closing. Uses and sources reconcile at $345,885.99 each. Not a Closing Disclosure.