Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$250,324Cash toward the purchase price.
Closing costs + prepaids$11,397Not just lender fees.
Before credits & paid funds$261,721The complete starting cash picture.
Estimated remaining funds due at closing
$261,721No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$250,324.07
Your down payment$250,324.07
Closing costs + prepaids$11,397.33
Total buyer cash needed$261,721.40
Remaining funds due$261,721.40
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)$1,076.25
Initial HOA (3 months)$14.49
Prepaid interest, first (31 days)$581.59
Fees + prepaids$11,397.33
Your down payment is the seller’s equity. You take over the $99,676 balance, so the rest of the $350,000 price is paid at closing. A second mortgage can cover part of it. $261,721.40 is due at closing. Uses and sources reconcile at $361,397.33 each. Not a Closing Disclosure.