Follow the dollars · Assumption only
A complete cash picture for Dec 8, 2026
Your down payment$35,799Cash toward the purchase price.
Closing costs + prepaids$12,183Not just lender fees.
Before credits & paid funds$47,982The complete starting cash picture.
Estimated remaining funds due at closing
$47,982No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$35,799.31
Your down payment$35,799.31
Closing costs + prepaids$12,183.15
Total buyer cash needed$47,982.46
Remaining funds due$47,982.46
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,589.00
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)$890.50
Prepaid interest, first (24 days)$1,478.65
Fees + prepaids$12,183.15
Your down payment is the seller’s equity. You take over the $323,101 balance, so the rest of the $358,900 price is paid at closing. A second mortgage can cover part of it. $47,982.46 is due at closing. Uses and sources reconcile at $371,083.15 each. Not a Closing Disclosure.