Follow the dollars · Assumption only
A complete cash picture for Dec 8, 2026
Your down payment$227,158Cash toward the purchase price.
Closing costs + prepaids$12,288Not just lender fees.
Before credits & paid funds$239,446The complete starting cash picture.
Estimated remaining funds due at closing
$239,446No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$227,157.99
Your down payment$227,157.99
Closing costs + prepaids$12,287.57
Total buyer cash needed$239,445.56
Remaining funds due$239,445.56
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)$757.25
Initial HOA (3 months)$1,605.00
Prepaid interest, first (24 days)$200.32
Fees + prepaids$12,287.57
Your down payment is the seller’s equity. You take over the $122,842 balance, so the rest of the $350,000 price is paid at closing. A second mortgage can cover part of it. $239,445.56 is due at closing. Uses and sources reconcile at $362,287.57 each. Not a Closing Disclosure.