Follow the dollars · Assumption only
A complete cash picture for Dec 2, 2026
Your down payment$35,670Cash toward the purchase price.
Closing costs + prepaids$13,799Not just lender fees.
Before credits & paid funds$49,468The complete starting cash picture.
Estimated remaining funds due at closing
$49,468No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$35,669.71
Your down payment$35,669.71
Closing costs + prepaids$13,798.76
Total buyer cash needed$49,468.46
Remaining funds due$49,468.46
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)$1,790.25
Initial HOA (3 months)$567.00
Prepaid interest, first (30 days)$1,717.51
Fees + prepaids$13,798.76
Your down payment is the seller’s equity. You take over the $314,230 balance, so the rest of the $349,900 price is paid at closing. A second mortgage can cover part of it. $49,468.46 is due at closing. Uses and sources reconcile at $363,698.76 each. Not a Closing Disclosure.