Follow the dollars · Assumption only
A complete cash picture for Dec 20, 2026
Your down payment$41,703Cash toward the purchase price.
Closing costs + prepaids$10,668Not just lender fees.
Before credits & paid funds$52,371The complete starting cash picture.
Estimated remaining funds due at closing
$52,371No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$41,702.79
Your down payment$41,702.79
Closing costs + prepaids$10,668.11
Total buyer cash needed$52,370.89
Remaining funds due$52,370.89
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,349.00
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)$402.00
Prepaid interest, first (12 days)$692.11
Fees + prepaids$10,668.11
Your down payment is the seller’s equity. You take over the $293,197 balance, so the rest of the $334,900 price is paid at closing. A second mortgage can cover part of it. $52,370.89 is due at closing. Uses and sources reconcile at $345,568.11 each. Not a Closing Disclosure.