Follow the dollars · Assumption only
A complete cash picture for Dec 3, 2026
Your down payment$53,278Cash toward the purchase price.
Closing costs + prepaids$11,703Not just lender fees.
Before credits & paid funds$64,981The complete starting cash picture.
Estimated remaining funds due at closing
$64,981No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$53,277.83
Your down payment$53,277.83
Closing costs + prepaids$11,702.95
Total buyer cash needed$64,980.78
Remaining funds due$64,980.78
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,499.99
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)$422.00
Prepaid interest, first (29 days)$1,555.96
Fees + prepaids$11,702.95
Your down payment is the seller’s equity. You take over the $296,721 balance, so the rest of the $349,999 price is paid at closing. A second mortgage can cover part of it. $64,980.78 is due at closing. Uses and sources reconcile at $361,701.95 each. Not a Closing Disclosure.