Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$58,862Cash toward the purchase price.
Closing costs + prepaids$12,538Not just lender fees.
Before credits & paid funds$71,400The complete starting cash picture.
Estimated remaining funds due at closing
$71,400No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$58,862.50
Your down payment$58,862.50
Closing costs + prepaids$12,537.70
Total buyer cash needed$71,400.20
Remaining funds due$71,400.20
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)$1,360.00
Initial HOA (3 months)$34.50
Prepaid interest, first (28 days)$1,418.20
Fees + prepaids$12,537.70
Your down payment is the seller’s equity. You take over the $291,138 balance, so the rest of the $350,000 price is paid at closing. A second mortgage can cover part of it. $71,400.20 is due at closing. Uses and sources reconcile at $362,537.70 each. Not a Closing Disclosure.