Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$44,588Cash toward the purchase price.
Closing costs + prepaids$11,713Not just lender fees.
Before credits & paid funds$56,301The complete starting cash picture.
Estimated remaining funds due at closing
$56,301No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$44,588.32
Your down payment$44,588.32
Closing costs + prepaids$11,712.71
Total buyer cash needed$56,301.03
Remaining funds due$56,301.03
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)$606.25
Prepaid interest, first (26 days)$1,381.46
Fees + prepaids$11,712.71
Your down payment is the seller’s equity. You take over the $305,412 balance, so the rest of the $350,000 price is paid at closing. A second mortgage can cover part of it. $56,301.03 is due at closing. Uses and sources reconcile at $361,712.71 each. Not a Closing Disclosure.