Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$42,209Cash toward the purchase price.
Closing costs + prepaids$11,189Not just lender fees.
Before credits & paid funds$53,398The complete starting cash picture.
Estimated remaining funds due at closing
$53,398No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$42,208.67
Your down payment$42,208.67
Closing costs + prepaids$11,188.98
Total buyer cash needed$53,397.65
Remaining funds due$53,397.65
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)$319.50
Prepaid interest, first (26 days)$1,144.48
Fees + prepaids$11,188.98
Your down payment is the seller’s equity. You take over the $307,791 balance, so the rest of the $350,000 price is paid at closing. A second mortgage can cover part of it. $53,397.65 is due at closing. Uses and sources reconcile at $361,188.98 each. Not a Closing Disclosure.