Follow the dollars · Assumption only
A complete cash picture for Dec 20, 2026
Your down payment$52,447Cash toward the purchase price.
Closing costs + prepaids$10,663Not just lender fees.
Before credits & paid funds$63,111The complete starting cash picture.
Estimated remaining funds due at closing
$63,111No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$52,447.10
Your down payment$52,447.10
Closing costs + prepaids$10,663.41
Total buyer cash needed$63,110.51
Remaining funds due$63,110.51
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,440.00
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)$412.75
Prepaid interest, first (12 days)$585.66
Fees + prepaids$10,663.41
Your down payment is the seller’s equity. You take over the $291,553 balance, so the rest of the $344,000 price is paid at closing. A second mortgage can cover part of it. $63,110.51 is due at closing. Uses and sources reconcile at $354,663.41 each. Not a Closing Disclosure.