Follow the dollars · Assumption only
A complete cash picture for Dec 12, 2026
Your down payment$77,424Cash toward the purchase price.
Closing costs + prepaids$11,843Not just lender fees.
Before credits & paid funds$89,267The complete starting cash picture.
Estimated remaining funds due at closing
$89,267No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$77,424.09
Your down payment$77,424.09
Closing costs + prepaids$11,843.21
Total buyer cash needed$89,267.31
Remaining funds due$89,267.31
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)$473.00
Initial HOA (3 months)$882.00
Prepaid interest, first (20 days)$763.21
Fees + prepaids$11,843.21
Your down payment is the seller’s equity. You take over the $272,576 balance, so the rest of the $350,000 price is paid at closing. A second mortgage can cover part of it. $89,267.31 is due at closing. Uses and sources reconcile at $361,843.21 each. Not a Closing Disclosure.