Follow the dollars · Assumption only
A complete cash picture for Dec 7, 2026
Your down payment$78,991Cash toward the purchase price.
Closing costs + prepaids$11,136Not just lender fees.
Before credits & paid funds$90,127The complete starting cash picture.
Estimated remaining funds due at closing
$90,127No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$78,991.16
Your down payment$78,991.16
Closing costs + prepaids$11,135.95
Total buyer cash needed$90,127.11
Remaining funds due$90,127.11
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)$545.50
Initial HOA (3 months)$45.00
Prepaid interest, first (25 days)$820.45
Fees + prepaids$11,135.95
Your down payment is the seller’s equity. You take over the $271,009 balance, so the rest of the $350,000 price is paid at closing. A second mortgage can cover part of it. $90,127.11 is due at closing. Uses and sources reconcile at $361,135.95 each. Not a Closing Disclosure.