Follow the dollars · Assumption only
A complete cash picture for Dec 12, 2026
Your down payment$42,984Cash toward the purchase price.
Closing costs + prepaids$11,101Not just lender fees.
Before credits & paid funds$54,084The complete starting cash picture.
Estimated remaining funds due at closing
$54,084No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$42,983.68
Your down payment$42,983.68
Closing costs + prepaids$11,100.63
Total buyer cash needed$54,084.31
Remaining funds due$54,084.31
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,490.00
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)$220.25
Prepaid interest, first (20 days)$1,165.38
Fees + prepaids$11,100.63
Your down payment is the seller’s equity. You take over the $306,016 balance, so the rest of the $349,000 price is paid at closing. A second mortgage can cover part of it. $54,084.31 is due at closing. Uses and sources reconcile at $360,100.63 each. Not a Closing Disclosure.