Follow the dollars · Assumption only
A complete cash picture for Dec 8, 2026
Your down payment$52,984Cash toward the purchase price.
Closing costs + prepaids$11,071Not just lender fees.
Before credits & paid funds$64,055The complete starting cash picture.
Estimated remaining funds due at closing
$64,055No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$52,983.55
Your down payment$52,983.55
Closing costs + prepaids$11,071.35
Total buyer cash needed$64,054.90
Remaining funds due$64,054.90
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)$51.00
Prepaid interest, first (24 days)$1,296.35
Fees + prepaids$11,071.35
Your down payment is the seller’s equity. You take over the $296,916 balance, so the rest of the $349,900 price is paid at closing. A second mortgage can cover part of it. $64,054.90 is due at closing. Uses and sources reconcile at $360,971.35 each. Not a Closing Disclosure.