Follow the dollars · Assumption only
A complete cash picture for Dec 9, 2026
Your down payment$26,885Cash toward the purchase price.
Closing costs + prepaids$12,479Not just lender fees.
Before credits & paid funds$39,364The complete starting cash picture.
Estimated remaining funds due at closing
$39,364No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$26,885.15
Your down payment$26,885.15
Closing costs + prepaids$12,478.95
Total buyer cash needed$39,364.11
Remaining funds due$39,364.11
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)$1,117.75
Initial HOA (3 months)$270.00
Prepaid interest, first (23 days)$1,366.20
Fees + prepaids$12,478.95
Your down payment is the seller’s equity. You take over the $323,115 balance, so the rest of the $350,000 price is paid at closing. A second mortgage can cover part of it. $39,364.11 is due at closing. Uses and sources reconcile at $362,478.95 each. Not a Closing Disclosure.