Follow the dollars · Assumption only
A complete cash picture for Dec 15, 2026
Your down payment$27,458Cash toward the purchase price.
Closing costs + prepaids$11,187Not just lender fees.
Before credits & paid funds$38,645The complete starting cash picture.
Estimated remaining funds due at closing
$38,645No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$27,458.28
Your down payment$27,458.28
Closing costs + prepaids$11,187.02
Total buyer cash needed$38,645.30
Remaining funds due$38,645.30
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,499.99
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
Prepaid interest, first (17 days)$1,024.53
Fees + prepaids$11,187.02
Your down payment is the seller’s equity. You take over the $322,541 balance, so the rest of the $349,999 price is paid at closing. A second mortgage can cover part of it. $38,645.30 is due at closing. Uses and sources reconcile at $361,186.02 each. Not a Closing Disclosure.