Follow the dollars · Assumption only
A complete cash picture for Dec 15, 2026
Your down payment$52,568Cash toward the purchase price.
Closing costs + prepaids$11,147Not just lender fees.
Before credits & paid funds$63,715The complete starting cash picture.
Estimated remaining funds due at closing
$63,715No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$52,567.64
Your down payment$52,567.64
Closing costs + prepaids$11,147.42
Total buyer cash needed$63,715.05
Remaining funds due$63,715.05
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)$540.00
Prepaid interest, first (17 days)$445.92
Fees + prepaids$11,147.42
Your down payment is the seller’s equity. You take over the $297,332 balance, so the rest of the $349,900 price is paid at closing. A second mortgage can cover part of it. $63,715.05 is due at closing. Uses and sources reconcile at $361,047.42 each. Not a Closing Disclosure.