Follow the dollars · Assumption only
A complete cash picture for Dec 16, 2026
Your down payment$36,350Cash toward the purchase price.
Closing costs + prepaids$11,166Not just lender fees.
Before credits & paid funds$47,516The complete starting cash picture.
Estimated remaining funds due at closing
$47,516No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$36,349.59
Your down payment$36,349.59
Closing costs + prepaids$11,166.11
Total buyer cash needed$47,515.70
Remaining funds due$47,515.70
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,559.00
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)$445.00
Prepaid interest, first (16 days)$937.11
Fees + prepaids$11,166.11
Your down payment is the seller’s equity. You take over the $319,550 balance, so the rest of the $355,900 price is paid at closing. A second mortgage can cover part of it. $47,515.70 is due at closing. Uses and sources reconcile at $367,066.11 each. Not a Closing Disclosure.