Follow the dollars · Assumption only
A complete cash picture for Dec 10, 2026
Your down payment$48,178Cash toward the purchase price.
Closing costs + prepaids$12,458Not just lender fees.
Before credits & paid funds$60,636The complete starting cash picture.
Estimated remaining funds due at closing
$60,636No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$48,177.67
Your down payment$48,177.67
Closing costs + prepaids$12,458.38
Total buyer cash needed$60,636.05
Remaining funds due$60,636.05
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)$1,279.75
Initial HOA (3 months)$312.99
Prepaid interest, first (22 days)$1,140.64
Fees + prepaids$12,458.38
Your down payment is the seller’s equity. You take over the $301,822 balance, so the rest of the $350,000 price is paid at closing. A second mortgage can cover part of it. $60,636.05 is due at closing. Uses and sources reconcile at $362,458.38 each. Not a Closing Disclosure.