Follow the dollars · Assumption only
A complete cash picture for Dec 14, 2026
Your down payment$42,851Cash toward the purchase price.
Closing costs + prepaids$10,904Not just lender fees.
Before credits & paid funds$53,755The complete starting cash picture.
Estimated remaining funds due at closing
$53,755No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$42,851.02
Your down payment$42,851.02
Closing costs + prepaids$10,904.19
Total buyer cash needed$53,755.21
Remaining funds due$53,755.21
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,470.00
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)$178.75
Prepaid interest, first (18 days)$1,030.44
Fees + prepaids$10,904.19
Your down payment is the seller’s equity. You take over the $304,149 balance, so the rest of the $347,000 price is paid at closing. A second mortgage can cover part of it. $53,755.21 is due at closing. Uses and sources reconcile at $357,904.19 each. Not a Closing Disclosure.