Follow the dollars · Assumption only
A complete cash picture for Dec 8, 2026
Your down payment$68,062Cash toward the purchase price.
Closing costs + prepaids$11,568Not just lender fees.
Before credits & paid funds$79,630The complete starting cash picture.
Estimated remaining funds due at closing
$79,630No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$68,061.63
Your down payment$68,061.63
Closing costs + prepaids$11,568.06
Total buyer cash needed$79,629.69
Remaining funds due$79,629.69
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,499.00
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)$285.75
Initial HOA (3 months)$300.00
Prepaid interest, first (24 days)$1,258.31
Fees + prepaids$11,568.06
Your down payment is the seller’s equity. You take over the $281,838 balance, so the rest of the $349,900 price is paid at closing. A second mortgage can cover part of it. $79,629.69 is due at closing. Uses and sources reconcile at $361,468.06 each. Not a Closing Disclosure.