Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$63,344Cash toward the purchase price.
Closing costs + prepaids$11,404Not just lender fees.
Before credits & paid funds$74,748The complete starting cash picture.
Estimated remaining funds due at closing
$74,748No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$63,344.05
Your down payment$63,344.05
Closing costs + prepaids$11,403.77
Total buyer cash needed$74,747.82
Remaining funds due$74,747.82
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,495.00
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)$873.75
Prepaid interest, first (28 days)$810.02
Fees + prepaids$11,403.77
Your down payment is the seller’s equity. You take over the $286,156 balance, so the rest of the $349,500 price is paid at closing. A second mortgage can cover part of it. $74,747.82 is due at closing. Uses and sources reconcile at $360,903.77 each. Not a Closing Disclosure.