Follow the dollars · Assumption only
A complete cash picture for Dec 22, 2026
Your down payment$38,273Cash toward the purchase price.
Closing costs + prepaids$10,671Not just lender fees.
Before credits & paid funds$48,944The complete starting cash picture.
Estimated remaining funds due at closing
$48,944No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$38,272.82
Your down payment$38,272.82
Closing costs + prepaids$10,671.46
Total buyer cash needed$48,944.28
Remaining funds due$48,944.28
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,478.00
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)$417.25
Prepaid interest, first (10 days)$551.21
Fees + prepaids$10,671.46
Your down payment is the seller’s equity. You take over the $309,527 balance, so the rest of the $347,800 price is paid at closing. A second mortgage can cover part of it. $48,944.28 is due at closing. Uses and sources reconcile at $358,471.46 each. Not a Closing Disclosure.