Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$35,630Cash toward the purchase price.
Closing costs + prepaids$12,054Not just lender fees.
Before credits & paid funds$47,684The complete starting cash picture.
Estimated remaining funds due at closing
$47,684No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$35,630.26
Your down payment$35,630.26
Closing costs + prepaids$12,053.85
Total buyer cash needed$47,684.11
Remaining funds due$47,684.11
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,550.00
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)$209.25
Prepaid interest, first (31 days)$2,069.60
Fees + prepaids$12,053.85
Your down payment is the seller’s equity. You take over the $319,370 balance, so the rest of the $355,000 price is paid at closing. A second mortgage can cover part of it. $47,684.11 is due at closing. Uses and sources reconcile at $367,053.85 each. Not a Closing Disclosure.