Follow the dollars · Assumption only
A complete cash picture for Dec 12, 2026
Your down payment$48,183Cash toward the purchase price.
Closing costs + prepaids$10,426Not just lender fees.
Before credits & paid funds$58,609The complete starting cash picture.
Estimated remaining funds due at closing
$58,609No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$48,182.96
Your down payment$48,182.96
Closing costs + prepaids$10,425.64
Total buyer cash needed$58,608.59
Remaining funds due$58,608.59
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)$246.00
Prepaid interest, first (20 days)$505.64
Fees + prepaids$10,425.64
Your down payment is the seller’s equity. You take over the $296,717 balance, so the rest of the $344,900 price is paid at closing. A second mortgage can cover part of it. $58,608.59 is due at closing. Uses and sources reconcile at $355,325.64 each. Not a Closing Disclosure.