Follow the dollars · Assumption only
A complete cash picture for Dec 3, 2026
Your down payment$146,173Cash toward the purchase price.
Closing costs + prepaids$10,873Not just lender fees.
Before credits & paid funds$157,045The complete starting cash picture.
Estimated remaining funds due at closing
$157,045No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$146,172.86
Your down payment$146,172.86
Closing costs + prepaids$10,872.58
Total buyer cash needed$157,045.44
Remaining funds due$157,045.44
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)$444.50
Initial HOA (3 months)$180.00
Prepaid interest, first (29 days)$523.08
Fees + prepaids$10,872.58
Your down payment is the seller’s equity. You take over the $203,827 balance, so the rest of the $350,000 price is paid at closing. A second mortgage can cover part of it. $157,045.44 is due at closing. Uses and sources reconcile at $360,872.58 each. Not a Closing Disclosure.