Follow the dollars · Assumption only
A complete cash picture for Dec 2, 2026
Your down payment$45,252Cash toward the purchase price.
Closing costs + prepaids$11,850Not just lender fees.
Before credits & paid funds$57,102The complete starting cash picture.
Estimated remaining funds due at closing
$57,102No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$45,251.87
Your down payment$45,251.87
Closing costs + prepaids$11,850.12
Total buyer cash needed$57,101.99
Remaining funds due$57,101.99
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,475.00
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)$317.25
Initial HOA (3 months)$315.00
Prepaid interest, first (30 days)$1,517.87
Fees + prepaids$11,850.12
Your down payment is the seller’s equity. You take over the $302,248 balance, so the rest of the $347,500 price is paid at closing. A second mortgage can cover part of it. $57,101.99 is due at closing. Uses and sources reconcile at $359,350.12 each. Not a Closing Disclosure.