Follow the dollars · Assumption only
A complete cash picture for Dec 8, 2026
Your down payment$208,033Cash toward the purchase price.
Closing costs + prepaids$11,598Not just lender fees.
Before credits & paid funds$219,631The complete starting cash picture.
Estimated remaining funds due at closing
$219,631No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$208,033.38
Your down payment$208,033.38
Closing costs + prepaids$11,597.76
Total buyer cash needed$219,631.14
Remaining funds due$219,631.14
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)$1,260.75
Initial HOA (3 months)$135.00
Prepaid interest, first (24 days)$477.01
Fees + prepaids$11,597.76
Your down payment is the seller’s equity. You take over the $141,967 balance, so the rest of the $350,000 price is paid at closing. A second mortgage can cover part of it. $219,631.14 is due at closing. Uses and sources reconcile at $361,597.76 each. Not a Closing Disclosure.