Follow the dollars · Assumption only
A complete cash picture for Dec 10, 2026
Your down payment$69,461Cash toward the purchase price.
Closing costs + prepaids$11,766Not just lender fees.
Before credits & paid funds$81,227The complete starting cash picture.
Estimated remaining funds due at closing
$81,227No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$69,461.02
Your down payment$69,461.02
Closing costs + prepaids$11,765.95
Total buyer cash needed$81,226.97
Remaining funds due$81,226.97
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)$1,497.50
Initial HOA (3 months)$69.99
Prepaid interest, first (22 days)$473.46
Fees + prepaids$11,765.95
Your down payment is the seller’s equity. You take over the $280,539 balance, so the rest of the $350,000 price is paid at closing. A second mortgage can cover part of it. $81,226.97 is due at closing. Uses and sources reconcile at $361,765.95 each. Not a Closing Disclosure.