Follow the dollars · Assumption only
A complete cash picture for Dec 17, 2026
Your down payment$47,629Cash toward the purchase price.
Closing costs + prepaids$10,915Not just lender fees.
Before credits & paid funds$58,544The complete starting cash picture.
Estimated remaining funds due at closing
$58,544No 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$10,915.21
Total buyer cash needed$58,543.80
Remaining funds due$58,543.80
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)$431.25
Prepaid interest, first (15 days)$809.96
Fees + prepaids$10,915.21
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. $58,543.80 is due at closing. Uses and sources reconcile at $355,815.21 each. Not a Closing Disclosure.