Follow the dollars · Assumption only
A complete cash picture for Dec 2, 2026
Your down payment$51,231Cash toward the purchase price.
Closing costs + prepaids$13,247Not just lender fees.
Before credits & paid funds$64,478The complete starting cash picture.
Estimated remaining funds due at closing
$64,478No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$51,231.06
Your down payment$51,231.06
Closing costs + prepaids$13,247.31
Total buyer cash needed$64,478.36
Remaining funds due$64,478.36
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)$1,656.75
Initial HOA (3 months)$185.01
Prepaid interest, first (30 days)$1,681.55
Fees + prepaids$13,247.31
Your down payment is the seller’s equity. You take over the $298,669 balance, so the rest of the $349,900 price is paid at closing. A second mortgage can cover part of it. $64,478.36 is due at closing. Uses and sources reconcile at $363,147.31 each. Not a Closing Disclosure.