Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$41,914Cash toward the purchase price.
Closing costs + prepaids$11,732Not just lender fees.
Before credits & paid funds$53,646The complete starting cash picture.
Estimated remaining funds due at closing
$53,646No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$41,913.55
Your down payment$41,913.55
Closing costs + prepaids$11,732.35
Total buyer cash needed$53,645.89
Remaining funds due$53,645.89
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,479.00
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)$302.75
Prepaid interest, first (31 days)$1,725.60
Fees + prepaids$11,732.35
Your down payment is the seller’s equity. You take over the $305,986 balance, so the rest of the $347,900 price is paid at closing. A second mortgage can cover part of it. $53,645.89 is due at closing. Uses and sources reconcile at $359,632.35 each. Not a Closing Disclosure.