Follow the dollars · Assumption only
A complete cash picture for Dec 2, 2026
Your down payment$56,544Cash toward the purchase price.
Closing costs + prepaids$12,452Not just lender fees.
Before credits & paid funds$68,996The complete starting cash picture.
Estimated remaining funds due at closing
$68,996No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$56,543.87
Your down payment$56,543.87
Closing costs + prepaids$12,451.79
Total buyer cash needed$68,995.67
Remaining funds due$68,995.67
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)$1,802.50
Initial HOA (3 months)$105.00
Prepaid interest, first (30 days)$829.29
Fees + prepaids$12,451.79
Your down payment is the seller’s equity. You take over the $292,456 balance, so the rest of the $349,000 price is paid at closing. A second mortgage can cover part of it. $68,995.67 is due at closing. Uses and sources reconcile at $361,451.79 each. Not a Closing Disclosure.