Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$205,496Cash toward the purchase price.
Closing costs + prepaids$10,775Not just lender fees.
Before credits & paid funds$216,271The complete starting cash picture.
Estimated remaining funds due at closing
$216,271No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$205,495.62
Your down payment$205,495.62
Closing costs + prepaids$10,775.12
Total buyer cash needed$216,270.74
Remaining funds due$216,270.74
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)$363.25
Initial HOA (3 months)$180.00
Prepaid interest, first (31 days)$506.87
Fees + prepaids$10,775.12
Your down payment is the seller’s equity. You take over the $144,504 balance, so the rest of the $350,000 price is paid at closing. A second mortgage can cover part of it. $216,270.74 is due at closing. Uses and sources reconcile at $360,775.12 each. Not a Closing Disclosure.