Follow the dollars · Assumption only
A complete cash picture for Dec 23, 2026
Your down payment$43,092Cash toward the purchase price.
Closing costs + prepaids$10,474Not just lender fees.
Before credits & paid funds$53,566The complete starting cash picture.
Estimated remaining funds due at closing
$53,566No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$43,091.55
Your down payment$43,091.55
Closing costs + prepaids$10,474.20
Total buyer cash needed$53,565.75
Remaining funds due$53,565.75
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,398.99
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)$408.00
Initial HOA (3 months)$57.99
Prepaid interest, first (9 days)$384.22
Fees + prepaids$10,474.20
Your down payment is the seller’s equity. You take over the $296,807 balance, so the rest of the $339,899 price is paid at closing. A second mortgage can cover part of it. $53,565.75 is due at closing. Uses and sources reconcile at $350,373.20 each. Not a Closing Disclosure.