Follow the dollars · Assumption only
A complete cash picture for Dec 14, 2026
Your down payment$39,304Cash toward the purchase price.
Closing costs + prepaids$11,373Not just lender fees.
Before credits & paid funds$50,678The complete starting cash picture.
Estimated remaining funds due at closing
$50,678No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$39,304.25
Your down payment$39,304.25
Closing costs + prepaids$11,373.37
Total buyer cash needed$50,677.62
Remaining funds due$50,677.62
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)$444.25
Initial HOA (3 months)$255.00
Prepaid interest, first (18 days)$959.12
Fees + prepaids$11,373.37
Your down payment is the seller’s equity. You take over the $309,696 balance, so the rest of the $349,000 price is paid at closing. A second mortgage can cover part of it. $50,677.62 is due at closing. Uses and sources reconcile at $360,373.37 each. Not a Closing Disclosure.