Follow the dollars · Assumption only
A complete cash picture for Dec 2, 2026
Your down payment$53,760Cash toward the purchase price.
Closing costs + prepaids$12,019Not just lender fees.
Before credits & paid funds$65,780The complete starting cash picture.
Estimated remaining funds due at closing
$65,780No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$53,760.18
Your down payment$53,760.18
Closing costs + prepaids$12,019.39
Total buyer cash needed$65,779.57
Remaining funds due$65,779.57
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)$264.00
Initial HOA (3 months)$438.00
Prepaid interest, first (30 days)$1,592.39
Fees + prepaids$12,019.39
Your down payment is the seller’s equity. You take over the $296,240 balance, so the rest of the $350,000 price is paid at closing. A second mortgage can cover part of it. $65,779.57 is due at closing. Uses and sources reconcile at $362,019.39 each. Not a Closing Disclosure.