Follow the dollars · Assumption only
A complete cash picture for Dec 12, 2026
Your down payment$33,060Cash toward the purchase price.
Closing costs + prepaids$10,958Not just lender fees.
Before credits & paid funds$44,018The complete starting cash picture.
Estimated remaining funds due at closing
$44,018No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$33,059.82
Your down payment$33,059.82
Closing costs + prepaids$10,957.92
Total buyer cash needed$44,017.74
Remaining funds due$44,017.74
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)$290.50
Initial HOA (3 months)$54.99
Prepaid interest, first (20 days)$887.43
Fees + prepaids$10,957.92
Your down payment is the seller’s equity. You take over the $316,940 balance, so the rest of the $350,000 price is paid at closing. A second mortgage can cover part of it. $44,017.74 is due at closing. Uses and sources reconcile at $360,957.92 each. Not a Closing Disclosure.