Follow the dollars · Assumption only
A complete cash picture for Dec 3, 2026
Your down payment$44,605Cash toward the purchase price.
Closing costs + prepaids$11,996Not just lender fees.
Before credits & paid funds$56,601The complete starting cash picture.
Estimated remaining funds due at closing
$56,601No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$44,604.91
Your down payment$44,604.91
Closing costs + prepaids$11,995.69
Total buyer cash needed$56,600.60
Remaining funds due$56,600.60
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,520.00
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)$471.25
Initial HOA (3 months)$62.49
Prepaid interest, first (29 days)$1,716.95
Fees + prepaids$11,995.69
Your down payment is the seller’s equity. You take over the $307,395 balance, so the rest of the $352,000 price is paid at closing. A second mortgage can cover part of it. $56,600.60 is due at closing. Uses and sources reconcile at $363,995.69 each. Not a Closing Disclosure.