Follow the dollars · Assumption only
A complete cash picture for Nov 29, 2026
Your down payment$67,735Cash toward the purchase price.
Closing costs + prepaids$11,215Not just lender fees.
Before credits & paid funds$78,950The complete starting cash picture.
Estimated remaining funds due at closing
$78,950No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$67,735.40
Your down payment$67,735.40
Closing costs + prepaids$11,214.83
Total buyer cash needed$78,950.22
Remaining funds due$78,950.22
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)$479.50
Initial HOA (3 months)$963.00
Prepaid interest, first (2 days)$47.33
Fees + prepaids$11,214.83
Your down payment is the seller’s equity. You take over the $282,265 balance, so the rest of the $350,000 price is paid at closing. A second mortgage can cover part of it. $78,950.22 is due at closing. Uses and sources reconcile at $361,214.83 each. Not a Closing Disclosure.