Follow the dollars · Assumption only
A complete cash picture for Dec 2, 2026
Your down payment$45,150Cash toward the purchase price.
Closing costs + prepaids$12,006Not just lender fees.
Before credits & paid funds$57,156The complete starting cash picture.
Estimated remaining funds due at closing
$57,156No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$45,150.34
Your down payment$45,150.34
Closing costs + prepaids$12,005.97
Total buyer cash needed$57,156.31
Remaining funds due$57,156.31
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,500.00
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)$1,511.75
Prepaid interest, first (30 days)$769.22
Fees + prepaids$12,005.97
Your down payment is the seller’s equity. You take over the $304,850 balance, so the rest of the $350,000 price is paid at closing. A second mortgage can cover part of it. $57,156.31 is due at closing. Uses and sources reconcile at $362,005.97 each. Not a Closing Disclosure.