Follow the dollars · Assumption only
A complete cash picture for Dec 20, 2026
Your down payment$44,444Cash toward the purchase price.
Closing costs + prepaids$10,409Not just lender fees.
Before credits & paid funds$54,852The complete starting cash picture.
Estimated remaining funds due at closing
$54,852No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$44,443.69
Your down payment$44,443.69
Closing costs + prepaids$10,408.70
Total buyer cash needed$54,852.39
Remaining funds due$54,852.39
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,500.00
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)$420.00
Prepaid interest, first (12 days)$263.70
Fees + prepaids$10,408.70
Your down payment is the seller’s equity. You take over the $305,556 balance, so the rest of the $350,000 price is paid at closing. A second mortgage can cover part of it. $54,852.39 is due at closing. Uses and sources reconcile at $360,408.70 each. Not a Closing Disclosure.