Follow the dollars · Assumption only
A complete cash picture for Dec 20, 2026
Your down payment$45,945Cash toward the purchase price.
Closing costs + prepaids$10,655Not just lender fees.
Before credits & paid funds$56,600The complete starting cash picture.
Estimated remaining funds due at closing
$56,600No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$45,945.49
Your down payment$45,945.49
Closing costs + prepaids$10,654.81
Total buyer cash needed$56,600.30
Remaining funds due$56,600.30
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)$509.81
Fees + prepaids$10,654.81
Your down payment is the seller’s equity. You take over the $304,055 balance, so the rest of the $350,000 price is paid at closing. A second mortgage can cover part of it. $56,600.30 is due at closing. Uses and sources reconcile at $360,654.81 each. Not a Closing Disclosure.