Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$105,017Cash toward the purchase price.
Closing costs + prepaids$12,429Not just lender fees.
Before credits & paid funds$117,446The complete starting cash picture.
Estimated remaining funds due at closing
$117,446No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$105,017.43
Your down payment$105,017.43
Closing costs + prepaids$12,428.74
Total buyer cash needed$117,446.17
Remaining funds due$117,446.17
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)$416.50
Initial HOA (3 months)$1,122.00
Prepaid interest, first (27 days)$1,165.24
Fees + prepaids$12,428.74
Your down payment is the seller’s equity. You take over the $244,983 balance, so the rest of the $350,000 price is paid at closing. A second mortgage can cover part of it. $117,446.17 is due at closing. Uses and sources reconcile at $362,428.74 each. Not a Closing Disclosure.