Follow the dollars · Assumption only
A complete cash picture for Dec 8, 2026
Your down payment$32,466Cash toward the purchase price.
Closing costs + prepaids$11,584Not just lender fees.
Before credits & paid funds$44,050The complete starting cash picture.
Estimated remaining funds due at closing
$44,050No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$32,466.11
Your down payment$32,466.11
Closing costs + prepaids$11,584.37
Total buyer cash needed$44,050.48
Remaining funds due$44,050.48
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,499.99
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)$499.50
Initial HOA (3 months)$270.00
Prepaid interest, first (24 days)$1,089.88
Fees + prepaids$11,584.37
Your down payment is the seller’s equity. You take over the $317,533 balance, so the rest of the $349,999 price is paid at closing. A second mortgage can cover part of it. $44,050.48 is due at closing. Uses and sources reconcile at $361,583.37 each. Not a Closing Disclosure.