Follow the dollars · Assumption only
A complete cash picture for Dec 7, 2026
Your down payment$285,169Cash toward the purchase price.
Closing costs + prepaids$10,145Not just lender fees.
Before credits & paid funds$295,314The complete starting cash picture.
Estimated remaining funds due at closing
$295,314No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$285,169.07
Your down payment$285,169.07
Closing costs + prepaids$10,144.86
Total buyer cash needed$295,313.93
Remaining funds due$295,313.93
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)$260.00
Prepaid interest, first (25 days)$159.86
Fees + prepaids$10,144.86
Your down payment is the seller’s equity. You take over the $64,831 balance, so the rest of the $350,000 price is paid at closing. A second mortgage can cover part of it. $295,313.93 is due at closing. Uses and sources reconcile at $360,144.86 each. Not a Closing Disclosure.