Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$35,699Cash toward the purchase price.
Closing costs + prepaids$11,841Not just lender fees.
Before credits & paid funds$47,540The complete starting cash picture.
Estimated remaining funds due at closing
$47,540No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$35,699.21
Your down payment$35,699.21
Closing costs + prepaids$11,840.61
Total buyer cash needed$47,539.82
Remaining funds due$47,539.82
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)$571.00
Prepaid interest, first (27 days)$1,545.61
Fees + prepaids$11,840.61
Your down payment is the seller’s equity. You take over the $314,201 balance, so the rest of the $349,900 price is paid at closing. A second mortgage can cover part of it. $47,539.82 is due at closing. Uses and sources reconcile at $361,740.61 each. Not a Closing Disclosure.