Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$192,509Cash toward the purchase price.
Closing costs + prepaids$11,137Not just lender fees.
Before credits & paid funds$203,645The complete starting cash picture.
Estimated remaining funds due at closing
$203,645No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$192,508.55
Your down payment$192,508.55
Closing costs + prepaids$11,136.66
Total buyer cash needed$203,645.21
Remaining funds due$203,645.21
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)$751.25
Initial HOA (3 months)$123.99
Prepaid interest, first (28 days)$536.42
Fees + prepaids$11,136.66
Your down payment is the seller’s equity. You take over the $157,491 balance, so the rest of the $350,000 price is paid at closing. A second mortgage can cover part of it. $203,645.21 is due at closing. Uses and sources reconcile at $361,136.66 each. Not a Closing Disclosure.