Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$25,585Cash toward the purchase price.
Closing costs + prepaids$13,157Not just lender fees.
Before credits & paid funds$38,742The complete starting cash picture.
Estimated remaining funds due at closing
$38,742No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$25,584.96
Your down payment$25,584.96
Closing costs + prepaids$13,156.83
Total buyer cash needed$38,741.78
Remaining funds due$38,741.78
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)$849.25
Initial HOA (3 months)$855.00
Prepaid interest, first (31 days)$1,727.58
Fees + prepaids$13,156.83
Your down payment is the seller’s equity. You take over the $324,415 balance, so the rest of the $350,000 price is paid at closing. A second mortgage can cover part of it. $38,741.78 is due at closing. Uses and sources reconcile at $363,156.83 each. Not a Closing Disclosure.