Follow the dollars · Assumption only
A complete cash picture for Dec 8, 2026
Your down payment$41,486Cash toward the purchase price.
Closing costs + prepaids$11,788Not just lender fees.
Before credits & paid funds$53,274The complete starting cash picture.
Estimated remaining funds due at closing
$53,274No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$41,486.47
Your down payment$41,486.47
Closing costs + prepaids$11,787.98
Total buyer cash needed$53,274.46
Remaining funds due$53,274.46
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)$1,478.75
Prepaid interest, first (24 days)$584.23
Fees + prepaids$11,787.98
Your down payment is the seller’s equity. You take over the $308,514 balance, so the rest of the $350,000 price is paid at closing. A second mortgage can cover part of it. $53,274.46 is due at closing. Uses and sources reconcile at $361,787.98 each. Not a Closing Disclosure.