Follow the dollars · Assumption only
A complete cash picture for Dec 10, 2026
Your down payment$40,325Cash toward the purchase price.
Closing costs + prepaids$11,532Not just lender fees.
Before credits & paid funds$51,856The complete starting cash picture.
Estimated remaining funds due at closing
$51,856No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$40,324.71
Your down payment$40,324.71
Closing costs + prepaids$11,531.70
Total buyer cash needed$51,856.41
Remaining funds due$51,856.41
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)$369.00
Initial HOA (3 months)$168.00
Prepaid interest, first (22 days)$1,270.70
Fees + prepaids$11,531.70
Your down payment is the seller’s equity. You take over the $309,575 balance, so the rest of the $349,900 price is paid at closing. A second mortgage can cover part of it. $51,856.41 is due at closing. Uses and sources reconcile at $361,431.70 each. Not a Closing Disclosure.