Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$47,614Cash toward the purchase price.
Closing costs + prepaids$12,070Not just lender fees.
Before credits & paid funds$59,685The complete starting cash picture.
Estimated remaining funds due at closing
$59,685No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$47,614.24
Your down payment$47,614.24
Closing costs + prepaids$12,070.42
Total buyer cash needed$59,684.65
Remaining funds due$59,684.65
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,490.00
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)$1,046.25
Initial HOA (3 months)$99.99
Prepaid interest, first (28 days)$1,209.18
Fees + prepaids$12,070.42
Your down payment is the seller’s equity. You take over the $301,386 balance, so the rest of the $349,000 price is paid at closing. A second mortgage can cover part of it. $59,684.65 is due at closing. Uses and sources reconcile at $361,070.42 each. Not a Closing Disclosure.