Follow the dollars · Assumption only
A complete cash picture for Nov 29, 2026
Your down payment$153,429Cash toward the purchase price.
Closing costs + prepaids$10,396Not just lender fees.
Before credits & paid funds$163,825The complete starting cash picture.
Estimated remaining funds due at closing
$163,825No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$153,428.62
Your down payment$153,428.62
Closing costs + prepaids$10,396.26
Total buyer cash needed$163,824.89
Remaining funds due$163,824.89
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)$404.50
Initial HOA (3 months)$230.25
Prepaid interest, first (2 days)$36.51
Fees + prepaids$10,396.26
Your down payment is the seller’s equity. You take over the $196,571 balance, so the rest of the $350,000 price is paid at closing. A second mortgage can cover part of it. $163,824.89 is due at closing. Uses and sources reconcile at $360,396.26 each. Not a Closing Disclosure.