Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$35,111Cash toward the purchase price.
Closing costs + prepaids$11,758Not just lender fees.
Before credits & paid funds$46,869The complete starting cash picture.
Estimated remaining funds due at closing
$46,869No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$35,111.10
Your down payment$35,111.10
Closing costs + prepaids$11,758.32
Total buyer cash needed$46,869.42
Remaining funds due$46,869.42
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,590.00
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)$338.25
Prepaid interest, first (28 days)$1,605.07
Fees + prepaids$11,758.32
Your down payment is the seller’s equity. You take over the $323,889 balance, so the rest of the $359,000 price is paid at closing. A second mortgage can cover part of it. $46,869.42 is due at closing. Uses and sources reconcile at $370,758.32 each. Not a Closing Disclosure.