Follow the dollars · Assumption only
A complete cash picture for Dec 2, 2026
Your down payment$50,771Cash toward the purchase price.
Closing costs + prepaids$12,334Not just lender fees.
Before credits & paid funds$63,105The complete starting cash picture.
Estimated remaining funds due at closing
$63,105No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$50,770.90
Your down payment$50,770.90
Closing costs + prepaids$12,333.63
Total buyer cash needed$63,104.54
Remaining funds due$63,104.54
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)$983.00
Initial HOA (3 months)$73.74
Prepaid interest, first (30 days)$1,551.89
Fees + prepaids$12,333.63
Your down payment is the seller’s equity. You take over the $299,229 balance, so the rest of the $350,000 price is paid at closing. A second mortgage can cover part of it. $63,104.54 is due at closing. Uses and sources reconcile at $362,333.63 each. Not a Closing Disclosure.