Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$45,945Cash toward the purchase price.
Closing costs + prepaids$11,281Not just lender fees.
Before credits & paid funds$57,226The complete starting cash picture.
Estimated remaining funds due at closing
$57,226No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$45,945.49
Your down payment$45,945.49
Closing costs + prepaids$11,280.84
Total buyer cash needed$57,226.33
Remaining funds due$57,226.33
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,500.00
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)$451.25
Prepaid interest, first (26 days)$1,104.59
Fees + prepaids$11,280.84
Your down payment is the seller’s equity. You take over the $304,055 balance, so the rest of the $350,000 price is paid at closing. A second mortgage can cover part of it. $57,226.33 is due at closing. Uses and sources reconcile at $361,280.84 each. Not a Closing Disclosure.