Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$44,857Cash toward the purchase price.
Closing costs + prepaids$10,383Not just lender fees.
Before credits & paid funds$55,240The complete starting cash picture.
Estimated remaining funds due at closing
$55,240No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$44,856.96
Your down payment$44,856.96
Closing costs + prepaids$10,382.91
Total buyer cash needed$55,239.87
Remaining funds due$55,239.87
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,475.00
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)$317.25
Initial HOA (3 months)$315.00
Prepaid interest, first (1 days)$50.66
Fees + prepaids$10,382.91
Your down payment is the seller’s equity. You take over the $302,643 balance, so the rest of the $347,500 price is paid at closing. A second mortgage can cover part of it. $55,239.87 is due at closing. Uses and sources reconcile at $357,882.91 each. Not a Closing Disclosure.