Follow the dollars · Assumption only
A complete cash picture for Dec 23, 2026
Your down payment$30,530Cash toward the purchase price.
Closing costs + prepaids$10,745Not just lender fees.
Before credits & paid funds$41,275The complete starting cash picture.
Estimated remaining funds due at closing
$41,275No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$30,530.26
Your down payment$30,530.26
Closing costs + prepaids$10,744.85
Total buyer cash needed$41,275.11
Remaining funds due$41,275.11
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,499.00
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)$420.00
Prepaid interest, first (9 days)$600.85
Fees + prepaids$10,744.85
Your down payment is the seller’s equity. You take over the $319,370 balance, so the rest of the $349,900 price is paid at closing. A second mortgage can cover part of it. $41,275.11 is due at closing. Uses and sources reconcile at $360,644.85 each. Not a Closing Disclosure.