Follow the dollars · Assumption only
A complete cash picture for Dec 10, 2026
Your down payment$84,143Cash toward the purchase price.
Closing costs + prepaids$11,273Not just lender fees.
Before credits & paid funds$95,416The complete starting cash picture.
Estimated remaining funds due at closing
$95,416No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$84,142.62
Your down payment$84,142.62
Closing costs + prepaids$11,273.46
Total buyer cash needed$95,416.08
Remaining funds due$95,416.08
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)$1,048.50
Prepaid interest, first (22 days)$499.96
Fees + prepaids$11,273.46
Your down payment is the seller’s equity. You take over the $265,857 balance, so the rest of the $350,000 price is paid at closing. A second mortgage can cover part of it. $95,416.08 is due at closing. Uses and sources reconcile at $361,273.46 each. Not a Closing Disclosure.