Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$39,304Cash toward the purchase price.
Closing costs + prepaids$12,066Not just lender fees.
Before credits & paid funds$51,370The complete starting cash picture.
Estimated remaining funds due at closing
$51,370No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$39,304.25
Your down payment$39,304.25
Closing costs + prepaids$12,066.07
Total buyer cash needed$51,370.33
Remaining funds due$51,370.33
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)$444.25
Initial HOA (3 months)$255.00
Prepaid interest, first (31 days)$1,651.82
Fees + prepaids$12,066.07
Your down payment is the seller’s equity. You take over the $309,696 balance, so the rest of the $349,000 price is paid at closing. A second mortgage can cover part of it. $51,370.33 is due at closing. Uses and sources reconcile at $361,066.07 each. Not a Closing Disclosure.