Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$78,573Cash toward the purchase price.
Closing costs + prepaids$11,347Not just lender fees.
Before credits & paid funds$89,920The complete starting cash picture.
Estimated remaining funds due at closing
$89,920No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$78,572.95
Your down payment$78,572.95
Closing costs + prepaids$11,346.91
Total buyer cash needed$89,919.86
Remaining funds due$89,919.86
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)$256.00
Prepaid interest, first (28 days)$1,365.91
Fees + prepaids$11,346.91
Your down payment is the seller’s equity. You take over the $271,427 balance, so the rest of the $350,000 price is paid at closing. A second mortgage can cover part of it. $89,919.86 is due at closing. Uses and sources reconcile at $361,346.91 each. Not a Closing Disclosure.