Follow the dollars · Assumption only
A complete cash picture for Dec 9, 2026
Your down payment$45,150Cash toward the purchase price.
Closing costs + prepaids$11,826Not just lender fees.
Before credits & paid funds$56,977The complete starting cash picture.
Estimated remaining funds due at closing
$56,977No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$45,150.34
Your down payment$45,150.34
Closing costs + prepaids$11,826.49
Total buyer cash needed$56,976.82
Remaining funds due$56,976.82
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)$1,511.75
Prepaid interest, first (23 days)$589.74
Fees + prepaids$11,826.49
Your down payment is the seller’s equity. You take over the $304,850 balance, so the rest of the $350,000 price is paid at closing. A second mortgage can cover part of it. $56,976.82 is due at closing. Uses and sources reconcile at $361,826.49 each. Not a Closing Disclosure.