Follow the dollars · Assumption only
A complete cash picture for Dec 7, 2026
Your down payment$42,865Cash toward the purchase price.
Closing costs + prepaids$11,955Not just lender fees.
Before credits & paid funds$54,820The complete starting cash picture.
Estimated remaining funds due at closing
$54,820No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$42,864.52
Your down payment$42,864.52
Closing costs + prepaids$11,955.44
Total buyer cash needed$54,819.97
Remaining funds due$54,819.97
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)$1,115.50
Prepaid interest, first (25 days)$1,114.94
Fees + prepaids$11,955.44
Your down payment is the seller’s equity. You take over the $307,135 balance, so the rest of the $350,000 price is paid at closing. A second mortgage can cover part of it. $54,819.97 is due at closing. Uses and sources reconcile at $361,955.44 each. Not a Closing Disclosure.