Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$17,344Cash toward the purchase price.
Closing costs + prepaids$12,614Not just lender fees.
Before credits & paid funds$29,958The complete starting cash picture.
Estimated remaining funds due at closing
$29,958No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$17,344.01
Your down payment$17,344.01
Closing costs + prepaids$12,614.20
Total buyer cash needed$29,958.21
Remaining funds due$29,958.21
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)$818.50
Initial HOA (3 months)$675.00
Prepaid interest, first (26 days)$1,395.70
Fees + prepaids$12,614.20
Your down payment is the seller’s equity. You take over the $332,656 balance, so the rest of the $350,000 price is paid at closing. A second mortgage can cover part of it. $29,958.21 is due at closing. Uses and sources reconcile at $362,614.20 each. Not a Closing Disclosure.