Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$113,395Cash toward the purchase price.
Closing costs + prepaids$11,232Not just lender fees.
Before credits & paid funds$124,627The complete starting cash picture.
Estimated remaining funds due at closing
$124,627No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$113,394.66
Your down payment$113,394.66
Closing costs + prepaids$11,232.08
Total buyer cash needed$124,626.74
Remaining funds due$124,626.74
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)$901.25
Initial HOA (3 months)$65.01
Prepaid interest, first (27 days)$540.82
Fees + prepaids$11,232.08
Your down payment is the seller’s equity. You take over the $236,605 balance, so the rest of the $350,000 price is paid at closing. A second mortgage can cover part of it. $124,626.74 is due at closing. Uses and sources reconcile at $361,232.08 each. Not a Closing Disclosure.