Follow the dollars · Assumption only
A complete cash picture for Dec 16, 2026
Your down payment$50,188Cash toward the purchase price.
Closing costs + prepaids$11,163Not just lender fees.
Before credits & paid funds$61,351The complete starting cash picture.
Estimated remaining funds due at closing
$61,351No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$50,187.67
Your down payment$50,187.67
Closing costs + prepaids$11,162.85
Total buyer cash needed$61,350.51
Remaining funds due$61,350.51
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,499.00
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)$437.50
Initial HOA (3 months)$150.00
Prepaid interest, first (16 days)$851.35
Fees + prepaids$11,162.85
Your down payment is the seller’s equity. You take over the $299,712 balance, so the rest of the $349,900 price is paid at closing. A second mortgage can cover part of it. $61,350.51 is due at closing. Uses and sources reconcile at $361,062.85 each. Not a Closing Disclosure.