Follow the dollars · Assumption only
A complete cash picture for Nov 29, 2026
Your down payment$61,804Cash toward the purchase price.
Closing costs + prepaids$10,425Not just lender fees.
Before credits & paid funds$72,229The complete starting cash picture.
Estimated remaining funds due at closing
$72,229No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$61,804.37
Your down payment$61,804.37
Closing costs + prepaids$10,424.71
Total buyer cash needed$72,229.09
Remaining funds due$72,229.09
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
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)$397.25
Initial HOA (3 months)$258.00
Prepaid interest, first (2 days)$45.46
Fees + prepaids$10,424.71
Your down payment is the seller’s equity. You take over the $288,096 balance, so the rest of the $349,900 price is paid at closing. A second mortgage can cover part of it. $72,229.09 is due at closing. Uses and sources reconcile at $360,324.71 each. Not a Closing Disclosure.