Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$60,405Cash toward the purchase price.
Closing costs + prepaids$11,653Not just lender fees.
Before credits & paid funds$72,058The complete starting cash picture.
Estimated remaining funds due at closing
$72,058No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$60,405.01
Your down payment$60,405.01
Closing costs + prepaids$11,652.75
Total buyer cash needed$72,057.77
Remaining funds due$72,057.77
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)$1,798.00
Initial HOA (3 months)$105.00
Prepaid interest, first (1 days)$24.75
Fees + prepaids$11,652.75
Your down payment is the seller’s equity. You take over the $289,595 balance, so the rest of the $350,000 price is paid at closing. A second mortgage can cover part of it. $72,057.77 is due at closing. Uses and sources reconcile at $361,652.75 each. Not a Closing Disclosure.