Follow the dollars · Assumption only
A complete cash picture for Dec 9, 2026
Your down payment$26,720Cash toward the purchase price.
Closing costs + prepaids$11,666Not just lender fees.
Before credits & paid funds$38,385The complete starting cash picture.
Estimated remaining funds due at closing
$38,385No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$26,719.52
Your down payment$26,719.52
Closing costs + prepaids$11,665.59
Total buyer cash needed$38,385.10
Remaining funds due$38,385.10
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)$563.50
Prepaid interest, first (23 days)$1,377.09
Fees + prepaids$11,665.59
Your down payment is the seller’s equity. You take over the $323,280 balance, so the rest of the $350,000 price is paid at closing. A second mortgage can cover part of it. $38,385.10 is due at closing. Uses and sources reconcile at $361,665.59 each. Not a Closing Disclosure.