Follow the dollars · Assumption only
A complete cash picture for Dec 23, 2026
Your down payment$35,999Cash toward the purchase price.
Closing costs + prepaids$10,656Not just lender fees.
Before credits & paid funds$46,655The complete starting cash picture.
Estimated remaining funds due at closing
$46,655No 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$10,656.00
Total buyer cash needed$46,655.33
Remaining funds due$46,655.33
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)$420.00
Prepaid interest, first (9 days)$511.00
Fees + prepaids$10,656.00
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. $46,655.33 is due at closing. Uses and sources reconcile at $360,656.00 each. Not a Closing Disclosure.