Follow the dollars · Assumption only
A complete cash picture for Dec 7, 2026
Your down payment$292,929Cash toward the purchase price.
Closing costs + prepaids$10,600Not just lender fees.
Before credits & paid funds$303,529The complete starting cash picture.
Estimated remaining funds due at closing
$303,529No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$292,928.70
Your down payment$292,928.70
Closing costs + prepaids$10,599.88
Total buyer cash needed$303,528.58
Remaining funds due$303,528.58
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)$708.75
Prepaid interest, first (25 days)$166.13
Fees + prepaids$10,599.88
Your down payment is the seller’s equity. You take over the $57,071 balance, so the rest of the $350,000 price is paid at closing. A second mortgage can cover part of it. $303,528.58 is due at closing. Uses and sources reconcile at $360,599.88 each. Not a Closing Disclosure.