Follow the dollars · Assumption only
A complete cash picture for Dec 20, 2026
Your down payment$94,375Cash toward the purchase price.
Closing costs + prepaids$11,497Not just lender fees.
Before credits & paid funds$105,872The complete starting cash picture.
Estimated remaining funds due at closing
$105,872No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$94,374.71
Your down payment$94,374.71
Closing costs + prepaids$11,497.04
Total buyer cash needed$105,871.75
Remaining funds due$105,871.75
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)$420.00
Initial HOA (3 months)$1,110.00
Prepaid interest, first (12 days)$242.04
Fees + prepaids$11,497.04
Your down payment is the seller’s equity. You take over the $255,625 balance, so the rest of the $350,000 price is paid at closing. A second mortgage can cover part of it. $105,871.75 is due at closing. Uses and sources reconcile at $361,497.04 each. Not a Closing Disclosure.