Follow the dollars · Assumption only
A complete cash picture for Dec 3, 2026
Your down payment$40,843Cash toward the purchase price.
Closing costs + prepaids$11,884Not just lender fees.
Before credits & paid funds$52,727The complete starting cash picture.
Estimated remaining funds due at closing
$52,727No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$40,842.67
Your down payment$40,842.67
Closing costs + prepaids$11,884.10
Total buyer cash needed$52,726.77
Remaining funds due$52,726.77
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)$369.00
Initial HOA (3 months)$168.00
Prepaid interest, first (29 days)$1,623.10
Fees + prepaids$11,884.10
Your down payment is the seller’s equity. You take over the $309,057 balance, so the rest of the $349,900 price is paid at closing. A second mortgage can cover part of it. $52,726.77 is due at closing. Uses and sources reconcile at $361,784.10 each. Not a Closing Disclosure.