Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$34,851Cash toward the purchase price.
Closing costs + prepaids$12,247Not just lender fees.
Before credits & paid funds$47,098The complete starting cash picture.
Estimated remaining funds due at closing
$47,098No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$34,851.05
Your down payment$34,851.05
Closing costs + prepaids$12,247.02
Total buyer cash needed$47,098.06
Remaining funds due$47,098.06
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,499.00
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)$874.75
Prepaid interest, first (28 days)$1,648.27
Fees + prepaids$12,247.02
Your down payment is the seller’s equity. You take over the $315,049 balance, so the rest of the $349,900 price is paid at closing. A second mortgage can cover part of it. $47,098.06 is due at closing. Uses and sources reconcile at $362,147.02 each. Not a Closing Disclosure.