Follow the dollars · Assumption only
A complete cash picture for Dec 7, 2026
Your down payment$27,537Cash toward the purchase price.
Closing costs + prepaids$12,182Not just lender fees.
Before credits & paid funds$39,720The complete starting cash picture.
Estimated remaining funds due at closing
$39,720No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$27,537.26
Your down payment$27,537.26
Closing costs + prepaids$12,182.46
Total buyer cash needed$39,719.72
Remaining funds due$39,719.72
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,499.95
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)$1,057.25
Prepaid interest, first (25 days)$1,400.26
Fees + prepaids$12,182.46
Your down payment is the seller’s equity. You take over the $322,458 balance, so the rest of the $349,995 price is paid at closing. A second mortgage can cover part of it. $39,719.72 is due at closing. Uses and sources reconcile at $362,177.46 each. Not a Closing Disclosure.