Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$37,556Cash toward the purchase price.
Closing costs + prepaids$11,912Not just lender fees.
Before credits & paid funds$49,468The complete starting cash picture.
Estimated remaining funds due at closing
$49,468No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$37,555.69
Your down payment$37,555.69
Closing costs + prepaids$11,911.92
Total buyer cash needed$49,467.61
Remaining funds due$49,467.61
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,549.00
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)$275.50
Prepaid interest, first (31 days)$1,862.42
Fees + prepaids$11,911.92
Your down payment is the seller’s equity. You take over the $317,344 balance, so the rest of the $354,900 price is paid at closing. A second mortgage can cover part of it. $49,467.61 is due at closing. Uses and sources reconcile at $366,811.92 each. Not a Closing Disclosure.