Follow the dollars · Assumption only
A complete cash picture for Dec 9, 2026
Your down payment$88,786Cash toward the purchase price.
Closing costs + prepaids$12,658Not just lender fees.
Before credits & paid funds$101,443The complete starting cash picture.
Estimated remaining funds due at closing
$101,443No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$88,785.52
Your down payment$88,785.52
Closing costs + prepaids$12,657.51
Total buyer cash needed$101,443.03
Remaining funds due$101,443.03
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)$1,561.75
Initial HOA (3 months)$900.00
Prepaid interest, first (23 days)$470.76
Fees + prepaids$12,657.51
Your down payment is the seller’s equity. You take over the $261,214 balance, so the rest of the $350,000 price is paid at closing. A second mortgage can cover part of it. $101,443.03 is due at closing. Uses and sources reconcile at $362,657.51 each. Not a Closing Disclosure.