Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$349,900Cash toward the purchase price.
Closing costs + prepaids$9,210Not just lender fees.
Before credits & paid funds$359,110The complete starting cash picture.
Estimated remaining funds due at closing
$359,110No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$349,900.00
Your down payment$349,900.00
Closing costs + prepaids$9,209.75
Total buyer cash needed$359,109.75
Remaining funds due$359,109.75
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$763.00
Credit report$200.00
Tax service$80.00
UMe assumption specialist (1%)$3,499.00
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)$387.75
Initial HOA (3 months)$105.00
Fees + prepaids$9,209.75
Your down payment is the seller’s equity. You take over the $0 balance, so the rest of the $349,900 price is paid at closing. A second mortgage can cover part of it. $359,109.75 is due at closing. Uses and sources reconcile at $359,109.75 each. Not a Closing Disclosure.