Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$62,725Cash toward the purchase price.
Closing costs + prepaids$11,698Not just lender fees.
Before credits & paid funds$74,422The complete starting cash picture.
Estimated remaining funds due at closing
$74,422No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$62,724.70
Your down payment$62,724.70
Closing costs + prepaids$11,697.65
Total buyer cash needed$74,422.36
Remaining funds due$74,422.36
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)$1,201.75
Initial HOA (3 months)$123.99
Prepaid interest, first (27 days)$647.91
Fees + prepaids$11,697.65
Your down payment is the seller’s equity. You take over the $287,175 balance, so the rest of the $349,900 price is paid at closing. A second mortgage can cover part of it. $74,422.36 is due at closing. Uses and sources reconcile at $361,597.65 each. Not a Closing Disclosure.