Follow the dollars · Assumption only
A complete cash picture for Dec 2, 2026
Your down payment$47,629Cash toward the purchase price.
Closing costs + prepaids$11,816Not just lender fees.
Before credits & paid funds$59,445The complete starting cash picture.
Estimated remaining funds due at closing
$59,445No 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$11,816.43
Total buyer cash needed$59,445.01
Remaining funds due$59,445.01
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 (30 days)$1,619.93
Fees + prepaids$11,816.43
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. $59,445.01 is due at closing. Uses and sources reconcile at $356,716.43 each. Not a Closing Disclosure.