Follow the dollars · Assumption only
A complete cash picture for Dec 22, 2026
Your down payment$35,999Cash toward the purchase price.
Closing costs + prepaids$10,713Not just lender fees.
Before credits & paid funds$46,712The complete starting cash picture.
Estimated remaining funds due at closing
$46,712No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$35,999.33
Your down payment$35,999.33
Closing costs + prepaids$10,712.78
Total buyer cash needed$46,712.11
Remaining funds due$46,712.11
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)$420.00
Prepaid interest, first (10 days)$567.78
Fees + prepaids$10,712.78
Your down payment is the seller’s equity. You take over the $314,001 balance, so the rest of the $350,000 price is paid at closing. A second mortgage can cover part of it. $46,712.11 is due at closing. Uses and sources reconcile at $360,712.78 each. Not a Closing Disclosure.