Follow the dollars · Assumption only
A complete cash picture for Dec 8, 2026
Your down payment$73,823Cash toward the purchase price.
Closing costs + prepaids$11,985Not just lender fees.
Before credits & paid funds$85,808The complete starting cash picture.
Estimated remaining funds due at closing
$85,808No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$73,822.55
Your down payment$73,822.55
Closing costs + prepaids$11,985.33
Total buyer cash needed$85,807.88
Remaining funds due$85,807.88
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)$814.75
Initial HOA (3 months)$879.00
Prepaid interest, first (24 days)$566.58
Fees + prepaids$11,985.33
Your down payment is the seller’s equity. You take over the $276,177 balance, so the rest of the $350,000 price is paid at closing. A second mortgage can cover part of it. $85,807.88 is due at closing. Uses and sources reconcile at $361,985.33 each. Not a Closing Disclosure.