Follow the dollars · Assumption only
A complete cash picture for Dec 15, 2026
Your down payment$48,145Cash toward the purchase price.
Closing costs + prepaids$10,991Not just lender fees.
Before credits & paid funds$59,136The complete starting cash picture.
Estimated remaining funds due at closing
$59,136No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$48,144.89
Your down payment$48,144.89
Closing costs + prepaids$10,990.86
Total buyer cash needed$59,135.75
Remaining funds due$59,135.75
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,420.00
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)$427.50
Prepaid interest, first (17 days)$918.36
Fees + prepaids$10,990.86
Your down payment is the seller’s equity. You take over the $293,855 balance, so the rest of the $342,000 price is paid at closing. A second mortgage can cover part of it. $59,135.75 is due at closing. Uses and sources reconcile at $352,990.86 each. Not a Closing Disclosure.