Follow the dollars · Assumption only
A complete cash picture for Dec 10, 2026
Your down payment$59,319Cash toward the purchase price.
Closing costs + prepaids$11,840Not just lender fees.
Before credits & paid funds$71,159The complete starting cash picture.
Estimated remaining funds due at closing
$71,159No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$59,319.30
Your down payment$59,319.30
Closing costs + prepaids$11,840.15
Total buyer cash needed$71,159.45
Remaining funds due$71,159.45
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,499.99
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)$1,249.25
Initial HOA (3 months)$300.00
Prepaid interest, first (22 days)$565.91
Fees + prepaids$11,840.15
Your down payment is the seller’s equity. You take over the $290,680 balance, so the rest of the $349,999 price is paid at closing. A second mortgage can cover part of it. $71,159.45 is due at closing. Uses and sources reconcile at $361,839.15 each. Not a Closing Disclosure.