Follow the dollars · Assumption only
A complete cash picture for Dec 12, 2026
Your down payment$289,647Cash toward the purchase price.
Closing costs + prepaids$10,418Not just lender fees.
Before credits & paid funds$300,066The complete starting cash picture.
Estimated remaining funds due at closing
$300,066No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$289,647.43
Your down payment$289,647.43
Closing costs + prepaids$10,418.40
Total buyer cash needed$300,065.82
Remaining funds due$300,065.82
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)$265.25
Initial HOA (3 months)$279.00
Prepaid interest, first (20 days)$149.15
Fees + prepaids$10,418.40
Your down payment is the seller’s equity. You take over the $60,353 balance, so the rest of the $350,000 price is paid at closing. A second mortgage can cover part of it. $300,065.82 is due at closing. Uses and sources reconcile at $360,418.40 each. Not a Closing Disclosure.