Follow the dollars · Assumption only
A complete cash picture for Dec 23, 2026
Your down payment$34,256Cash toward the purchase price.
Closing costs + prepaids$10,558Not just lender fees.
Before credits & paid funds$44,814The complete starting cash picture.
Estimated remaining funds due at closing
$44,814No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$34,255.67
Your down payment$34,255.67
Closing costs + prepaids$10,557.91
Total buyer cash needed$44,813.58
Remaining funds due$44,813.58
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,599.00
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)$432.00
Prepaid interest, first (9 days)$301.91
Fees + prepaids$10,557.91
Your down payment is the seller’s equity. You take over the $325,644 balance, so the rest of the $359,900 price is paid at closing. A second mortgage can cover part of it. $44,813.58 is due at closing. Uses and sources reconcile at $370,457.91 each. Not a Closing Disclosure.