Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$41,385Cash toward the purchase price.
Closing costs + prepaids$11,839Not just lender fees.
Before credits & paid funds$53,224The complete starting cash picture.
Estimated remaining funds due at closing
$53,224No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$41,385.20
Your down payment$41,385.20
Closing costs + prepaids$11,838.72
Total buyer cash needed$53,223.93
Remaining funds due$53,223.93
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)$340.50
Prepaid interest, first (28 days)$1,773.22
Fees + prepaids$11,838.72
Your down payment is the seller’s equity. You take over the $308,615 balance, so the rest of the $350,000 price is paid at closing. A second mortgage can cover part of it. $53,223.93 is due at closing. Uses and sources reconcile at $361,838.72 each. Not a Closing Disclosure.