Follow the dollars · Assumption only
A complete cash picture for Dec 8, 2026
Your down payment$97,640Cash toward the purchase price.
Closing costs + prepaids$12,038Not just lender fees.
Before credits & paid funds$109,679The complete starting cash picture.
Estimated remaining funds due at closing
$109,679No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$97,640.34
Your down payment$97,640.34
Closing costs + prepaids$12,038.39
Total buyer cash needed$109,678.72
Remaining funds due$109,678.72
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)$559.25
Initial HOA (3 months)$1,029.00
Prepaid interest, first (24 days)$725.14
Fees + prepaids$12,038.39
Your down payment is the seller’s equity. You take over the $252,360 balance, so the rest of the $350,000 price is paid at closing. A second mortgage can cover part of it. $109,678.72 is due at closing. Uses and sources reconcile at $362,038.39 each. Not a Closing Disclosure.