Follow the dollars · Assumption only
A complete cash picture for Dec 3, 2026
Your down payment$105,714Cash toward the purchase price.
Closing costs + prepaids$11,620Not just lender fees.
Before credits & paid funds$117,333The complete starting cash picture.
Estimated remaining funds due at closing
$117,333No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$105,713.71
Your down payment$105,713.71
Closing costs + prepaids$11,619.76
Total buyer cash needed$117,333.47
Remaining funds due$117,333.47
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)$573.00
Prepaid interest, first (29 days)$1,321.76
Fees + prepaids$11,619.76
Your down payment is the seller’s equity. You take over the $244,286 balance, so the rest of the $350,000 price is paid at closing. A second mortgage can cover part of it. $117,333.47 is due at closing. Uses and sources reconcile at $361,619.76 each. Not a Closing Disclosure.