Follow the dollars · Assumption only
A complete cash picture for Dec 2, 2026
Your down payment$49,020Cash toward the purchase price.
Closing costs + prepaids$11,698Not just lender fees.
Before credits & paid funds$60,718The complete starting cash picture.
Estimated remaining funds due at closing
$60,718No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$49,019.83
Your down payment$49,019.83
Closing costs + prepaids$11,698.41
Total buyer cash needed$60,718.24
Remaining funds due$60,718.24
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,495.00
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)$29.00
Initial HOA (3 months)$312.00
Prepaid interest, first (30 days)$1,637.41
Fees + prepaids$11,698.41
Your down payment is the seller’s equity. You take over the $300,480 balance, so the rest of the $349,500 price is paid at closing. A second mortgage can cover part of it. $60,718.24 is due at closing. Uses and sources reconcile at $361,198.41 each. Not a Closing Disclosure.