Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$52,568Cash toward the purchase price.
Closing costs + prepaids$11,506Not just lender fees.
Before credits & paid funds$64,074The complete starting cash picture.
Estimated remaining funds due at closing
$64,074No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$52,567.64
Your down payment$52,567.64
Closing costs + prepaids$11,506.45
Total buyer cash needed$64,074.09
Remaining funds due$64,074.09
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,499.00
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)$508.00
Initial HOA (3 months)$540.00
Prepaid interest, first (28 days)$734.45
Fees + prepaids$11,506.45
Your down payment is the seller’s equity. You take over the $297,332 balance, so the rest of the $349,900 price is paid at closing. A second mortgage can cover part of it. $64,074.09 is due at closing. Uses and sources reconcile at $361,406.45 each. Not a Closing Disclosure.