Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$54,490Cash toward the purchase price.
Closing costs + prepaids$12,437Not just lender fees.
Before credits & paid funds$66,928The complete starting cash picture.
Estimated remaining funds due at closing
$66,928No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$54,490.35
Your down payment$54,490.35
Closing costs + prepaids$12,437.49
Total buyer cash needed$66,927.83
Remaining funds due$66,927.83
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,499.99
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)$863.00
Initial HOA (3 months)$273.99
Prepaid interest, first (28 days)$1,575.51
Fees + prepaids$12,437.49
Your down payment is the seller’s equity. You take over the $295,509 balance, so the rest of the $349,999 price is paid at closing. A second mortgage can cover part of it. $66,927.83 is due at closing. Uses and sources reconcile at $362,436.49 each. Not a Closing Disclosure.