Follow the dollars · Assumption only
A complete cash picture for Nov 29, 2026
Your down payment$37,048Cash toward the purchase price.
Closing costs + prepaids$10,170Not just lender fees.
Before credits & paid funds$47,218The complete starting cash picture.
Estimated remaining funds due at closing
$47,218No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$37,048.10
Your down payment$37,048.10
Closing costs + prepaids$10,169.85
Total buyer cash needed$47,217.95
Remaining funds due$47,217.95
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,549.00
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)$275.50
Prepaid interest, first (2 days)$120.35
Fees + prepaids$10,169.85
Your down payment is the seller’s equity. You take over the $317,852 balance, so the rest of the $354,900 price is paid at closing. A second mortgage can cover part of it. $47,217.95 is due at closing. Uses and sources reconcile at $365,069.85 each. Not a Closing Disclosure.