Follow the dollars · Assumption only
A complete cash picture for Dec 9, 2026
Your down payment$54,486Cash toward the purchase price.
Closing costs + prepaids$12,358Not just lender fees.
Before credits & paid funds$66,844The complete starting cash picture.
Estimated remaining funds due at closing
$66,844No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$54,486.03
Your down payment$54,486.03
Closing costs + prepaids$12,357.92
Total buyer cash needed$66,843.94
Remaining funds due$66,843.94
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,499.00
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)$1,224.75
Prepaid interest, first (23 days)$1,409.17
Fees + prepaids$12,357.92
Your down payment is the seller’s equity. You take over the $295,414 balance, so the rest of the $349,900 price is paid at closing. A second mortgage can cover part of it. $66,843.94 is due at closing. Uses and sources reconcile at $362,257.92 each. Not a Closing Disclosure.