Follow the dollars · Assumption only
A complete cash picture for Dec 2, 2026
Your down payment$34,656Cash toward the purchase price.
Closing costs + prepaids$13,010Not just lender fees.
Before credits & paid funds$47,665The complete starting cash picture.
Estimated remaining funds due at closing
$47,665No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$34,655.67
Your down payment$34,655.67
Closing costs + prepaids$13,009.62
Total buyer cash needed$47,665.29
Remaining funds due$47,665.29
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,590.00
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)$1,416.50
Prepaid interest, first (30 days)$1,778.12
Fees + prepaids$13,009.62
Your down payment is the seller’s equity. You take over the $324,344 balance, so the rest of the $359,000 price is paid at closing. A second mortgage can cover part of it. $47,665.29 is due at closing. Uses and sources reconcile at $372,009.62 each. Not a Closing Disclosure.