Follow the dollars · Assumption only
A complete cash picture for Dec 11, 2026
Your down payment$35,999Cash toward the purchase price.
Closing costs + prepaids$11,258Not just lender fees.
Before credits & paid funds$47,258The complete starting cash picture.
Estimated remaining funds due at closing
$47,258No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$35,999.33
Your down payment$35,999.33
Closing costs + prepaids$11,258.34
Total buyer cash needed$47,257.67
Remaining funds due$47,257.67
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)$341.00
Prepaid interest, first (21 days)$1,192.34
Fees + prepaids$11,258.34
Your down payment is the seller’s equity. You take over the $314,001 balance, so the rest of the $350,000 price is paid at closing. A second mortgage can cover part of it. $47,257.67 is due at closing. Uses and sources reconcile at $361,258.34 each. Not a Closing Disclosure.