Follow the dollars · Assumption only
A complete cash picture for Dec 9, 2026
Your down payment$31,689Cash toward the purchase price.
Closing costs + prepaids$11,323Not just lender fees.
Before credits & paid funds$43,012The complete starting cash picture.
Estimated remaining funds due at closing
$43,012No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$31,689.27
Your down payment$31,689.27
Closing costs + prepaids$11,323.15
Total buyer cash needed$43,012.42
Remaining funds due$43,012.42
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,490.00
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)$234.50
Prepaid interest, first (23 days)$1,373.65
Fees + prepaids$11,323.15
Your down payment is the seller’s equity. You take over the $317,311 balance, so the rest of the $349,000 price is paid at closing. A second mortgage can cover part of it. $43,012.42 is due at closing. Uses and sources reconcile at $360,323.15 each. Not a Closing Disclosure.