Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$34,071Cash toward the purchase price.
Closing costs + prepaids$12,030Not just lender fees.
Before credits & paid funds$46,101The complete starting cash picture.
Estimated remaining funds due at closing
$46,101No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$34,071.08
Your down payment$34,071.08
Closing costs + prepaids$12,030.33
Total buyer cash needed$46,101.41
Remaining funds due$46,101.41
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,490.00
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)$576.75
Prepaid interest, first (31 days)$1,738.58
Fees + prepaids$12,030.33
Your down payment is the seller’s equity. You take over the $314,929 balance, so the rest of the $349,000 price is paid at closing. A second mortgage can cover part of it. $46,101.41 is due at closing. Uses and sources reconcile at $361,030.33 each. Not a Closing Disclosure.