Follow the dollars · Assumption only
A complete cash picture for Nov 29, 2026
Your down payment$47,539Cash toward the purchase price.
Closing costs + prepaids$9,971Not just lender fees.
Before credits & paid funds$57,510The complete starting cash picture.
Estimated remaining funds due at closing
$57,510No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$47,538.84
Your down payment$47,538.84
Closing costs + prepaids$9,970.67
Total buyer cash needed$57,509.51
Remaining funds due$57,509.51
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)$246.00
Prepaid interest, first (2 days)$50.67
Fees + prepaids$9,970.67
Your down payment is the seller’s equity. You take over the $297,361 balance, so the rest of the $344,900 price is paid at closing. A second mortgage can cover part of it. $57,509.51 is due at closing. Uses and sources reconcile at $354,870.67 each. Not a Closing Disclosure.