Follow the dollars · Assumption only
A complete cash picture for Dec 14, 2026
Your down payment$48,876Cash toward the purchase price.
Closing costs + prepaids$11,044Not just lender fees.
Before credits & paid funds$59,919The complete starting cash picture.
Estimated remaining funds due at closing
$59,919No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$48,875.69
Your down payment$48,875.69
Closing costs + prepaids$11,043.55
Total buyer cash needed$59,919.24
Remaining funds due$59,919.24
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,350.00
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)$418.75
Prepaid interest, first (18 days)$1,049.80
Fees + prepaids$11,043.55
Your down payment is the seller’s equity. You take over the $286,124 balance, so the rest of the $335,000 price is paid at closing. A second mortgage can cover part of it. $59,919.24 is due at closing. Uses and sources reconcile at $346,043.55 each. Not a Closing Disclosure.