Follow the dollars · Assumption only
A complete cash picture for Dec 7, 2026
Your down payment$209,932Cash toward the purchase price.
Closing costs + prepaids$11,560Not just lender fees.
Before credits & paid funds$221,493The complete starting cash picture.
Estimated remaining funds due at closing
$221,493No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$209,932.05
Your down payment$209,932.05
Closing costs + prepaids$11,560.47
Total buyer cash needed$221,492.51
Remaining funds due$221,492.51
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)$925.50
Initial HOA (3 months)$555.00
Prepaid interest, first (25 days)$354.97
Fees + prepaids$11,560.47
Your down payment is the seller’s equity. You take over the $140,068 balance, so the rest of the $350,000 price is paid at closing. A second mortgage can cover part of it. $221,492.51 is due at closing. Uses and sources reconcile at $361,560.47 each. Not a Closing Disclosure.