Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$33,044Cash toward the purchase price.
Closing costs + prepaids$11,985Not just lender fees.
Before credits & paid funds$45,030The complete starting cash picture.
Estimated remaining funds due at closing
$45,030No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$33,044.23
Your down payment$33,044.23
Closing costs + prepaids$11,985.35
Total buyer cash needed$45,029.58
Remaining funds due$45,029.58
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,475.00
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)$868.75
Prepaid interest, first (27 days)$1,416.60
Fees + prepaids$11,985.35
Your down payment is the seller’s equity. You take over the $314,456 balance, so the rest of the $347,500 price is paid at closing. A second mortgage can cover part of it. $45,029.58 is due at closing. Uses and sources reconcile at $359,485.35 each. Not a Closing Disclosure.