Follow the dollars · Assumption only
A complete cash picture for Dec 2, 2026
Your down payment$83,252Cash toward the purchase price.
Closing costs + prepaids$10,932Not just lender fees.
Before credits & paid funds$94,184The complete starting cash picture.
Estimated remaining funds due at closing
$94,184No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$83,251.57
Your down payment$83,251.57
Closing costs + prepaids$10,931.98
Total buyer cash needed$94,183.55
Remaining funds due$94,183.55
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)$337.75
Initial HOA (3 months)$240.00
Prepaid interest, first (30 days)$629.23
Fees + prepaids$10,931.98
Your down payment is the seller’s equity. You take over the $266,748 balance, so the rest of the $350,000 price is paid at closing. A second mortgage can cover part of it. $94,183.55 is due at closing. Uses and sources reconcile at $360,931.98 each. Not a Closing Disclosure.