Follow the dollars · Assumption only
A complete cash picture for Nov 29, 2026
Your down payment$48,732Cash toward the purchase price.
Closing costs + prepaids$10,170Not just lender fees.
Before credits & paid funds$58,902The complete starting cash picture.
Estimated remaining funds due at closing
$58,902No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$48,731.63
Your down payment$48,731.63
Closing costs + prepaids$10,170.27
Total buyer cash needed$58,901.90
Remaining funds due$58,901.90
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,495.00
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)$29.00
Initial HOA (3 months)$312.00
Prepaid interest, first (2 days)$109.27
Fees + prepaids$10,170.27
Your down payment is the seller’s equity. You take over the $300,768 balance, so the rest of the $349,500 price is paid at closing. A second mortgage can cover part of it. $58,901.90 is due at closing. Uses and sources reconcile at $359,670.27 each. Not a Closing Disclosure.