Follow the dollars · Assumption only
A complete cash picture for Dec 9, 2026
Your down payment$142,851Cash toward the purchase price.
Closing costs + prepaids$12,512Not just lender fees.
Before credits & paid funds$155,362The complete starting cash picture.
Estimated remaining funds due at closing
$155,362No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$142,850.53
Your down payment$142,850.53
Closing costs + prepaids$12,511.84
Total buyer cash needed$155,362.37
Remaining funds due$155,362.37
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)$1,522.50
Initial HOA (3 months)$690.00
Prepaid interest, first (23 days)$574.34
Fees + prepaids$12,511.84
Your down payment is the seller’s equity. You take over the $207,149 balance, so the rest of the $350,000 price is paid at closing. A second mortgage can cover part of it. $155,362.37 is due at closing. Uses and sources reconcile at $362,511.84 each. Not a Closing Disclosure.