Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$32,050Cash toward the purchase price.
Closing costs + prepaids$12,020Not just lender fees.
Before credits & paid funds$44,070The complete starting cash picture.
Estimated remaining funds due at closing
$44,070No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$32,050.02
Your down payment$32,050.02
Closing costs + prepaids$12,019.79
Total buyer cash needed$44,069.81
Remaining funds due$44,069.81
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)$808.25
Prepaid interest, first (26 days)$1,487.54
Fees + prepaids$12,019.79
Your down payment is the seller’s equity. You take over the $317,850 balance, so the rest of the $349,900 price is paid at closing. A second mortgage can cover part of it. $44,069.81 is due at closing. Uses and sources reconcile at $361,919.79 each. Not a Closing Disclosure.