Follow the dollars · Assumption only
A complete cash picture for Nov 29, 2026
Your down payment$26,525Cash toward the purchase price.
Closing costs + prepaids$11,232Not just lender fees.
Before credits & paid funds$37,757The complete starting cash picture.
Estimated remaining funds due at closing
$37,757No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$26,525.02
Your down payment$26,525.02
Closing costs + prepaids$11,231.68
Total buyer cash needed$37,756.70
Remaining funds due$37,756.70
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)$1,117.75
Initial HOA (3 months)$270.00
Prepaid interest, first (2 days)$118.93
Fees + prepaids$11,231.68
Your down payment is the seller’s equity. You take over the $323,475 balance, so the rest of the $350,000 price is paid at closing. A second mortgage can cover part of it. $37,756.70 is due at closing. Uses and sources reconcile at $361,231.68 each. Not a Closing Disclosure.