Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$77,932Cash toward the purchase price.
Closing costs + prepaids$12,942Not just lender fees.
Before credits & paid funds$90,874The complete starting cash picture.
Estimated remaining funds due at closing
$90,874No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$77,931.86
Your down payment$77,931.86
Closing costs + prepaids$12,941.76
Total buyer cash needed$90,873.62
Remaining funds due$90,873.62
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)$1,153.75
Initial HOA (3 months)$702.00
Prepaid interest, first (31 days)$1,361.01
Fees + prepaids$12,941.76
Your down payment is the seller’s equity. You take over the $272,068 balance, so the rest of the $350,000 price is paid at closing. A second mortgage can cover part of it. $90,873.62 is due at closing. Uses and sources reconcile at $362,941.76 each. Not a Closing Disclosure.