Follow the dollars · Assumption only
A complete cash picture for Dec 11, 2026
Your down payment$34,944Cash toward the purchase price.
Closing costs + prepaids$12,634Not just lender fees.
Before credits & paid funds$47,578The complete starting cash picture.
Estimated remaining funds due at closing
$47,578No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$34,944.05
Your down payment$34,944.05
Closing costs + prepaids$12,634.04
Total buyer cash needed$47,578.09
Remaining funds due$47,578.09
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,500.00
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)$389.75
Initial HOA (3 months)$1,245.00
Prepaid interest, first (21 days)$1,274.29
Fees + prepaids$12,634.04
Your down payment is the seller’s equity. You take over the $315,056 balance, so the rest of the $350,000 price is paid at closing. A second mortgage can cover part of it. $47,578.09 is due at closing. Uses and sources reconcile at $362,634.04 each. Not a Closing Disclosure.