Follow the dollars · Assumption only
A complete cash picture for Dec 2, 2026
Your down payment$72,493Cash toward the purchase price.
Closing costs + prepaids$12,083Not just lender fees.
Before credits & paid funds$84,576The complete starting cash picture.
Estimated remaining funds due at closing
$84,576No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$72,493.39
Your down payment$72,493.39
Closing costs + prepaids$12,082.63
Total buyer cash needed$84,576.01
Remaining funds due$84,576.01
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)$375.25
Initial HOA (3 months)$1,329.00
Prepaid interest, first (30 days)$654.38
Fees + prepaids$12,082.63
Your down payment is the seller’s equity. You take over the $277,407 balance, so the rest of the $349,900 price is paid at closing. A second mortgage can cover part of it. $84,576.01 is due at closing. Uses and sources reconcile at $361,982.63 each. Not a Closing Disclosure.