Follow the dollars · Assumption only
A complete cash picture for Dec 9, 2026
Your down payment$223,349Cash toward the purchase price.
Closing costs + prepaids$10,988Not just lender fees.
Before credits & paid funds$234,337The complete starting cash picture.
Estimated remaining funds due at closing
$234,337No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$223,348.64
Your down payment$223,348.64
Closing costs + prepaids$10,988.46
Total buyer cash needed$234,337.10
Remaining funds due$234,337.10
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)$799.50
Initial HOA (3 months)$157.50
Prepaid interest, first (23 days)$306.46
Fees + prepaids$10,988.46
Your down payment is the seller’s equity. You take over the $126,651 balance, so the rest of the $350,000 price is paid at closing. A second mortgage can cover part of it. $234,337.10 is due at closing. Uses and sources reconcile at $360,988.46 each. Not a Closing Disclosure.