Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$33,060Cash toward the purchase price.
Closing costs + prepaids$11,446Not just lender fees.
Before credits & paid funds$44,506The complete starting cash picture.
Estimated remaining funds due at closing
$44,506No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$33,059.82
Your down payment$33,059.82
Closing costs + prepaids$11,446.01
Total buyer cash needed$44,505.83
Remaining funds due$44,505.83
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)$290.50
Initial HOA (3 months)$54.99
Prepaid interest, first (31 days)$1,375.52
Fees + prepaids$11,446.01
Your down payment is the seller’s equity. You take over the $316,940 balance, so the rest of the $350,000 price is paid at closing. A second mortgage can cover part of it. $44,505.83 is due at closing. Uses and sources reconcile at $361,446.01 each. Not a Closing Disclosure.