Follow the dollars · Assumption only
A complete cash picture for Dec 2, 2026
Your down payment$36,085Cash toward the purchase price.
Closing costs + prepaids$12,765Not just lender fees.
Before credits & paid funds$48,849The complete starting cash picture.
Estimated remaining funds due at closing
$48,849No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$36,084.55
Your down payment$36,084.55
Closing costs + prepaids$12,764.79
Total buyer cash needed$48,849.34
Remaining funds due$48,849.34
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,465.00
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)$931.25
Initial HOA (3 months)$378.00
Prepaid interest, first (30 days)$1,765.54
Fees + prepaids$12,764.79
Your down payment is the seller’s equity. You take over the $310,415 balance, so the rest of the $346,500 price is paid at closing. A second mortgage can cover part of it. $48,849.34 is due at closing. Uses and sources reconcile at $359,264.79 each. Not a Closing Disclosure.