Follow the dollars · Assumption only
A complete cash picture for Dec 20, 2026
Your down payment$104,641Cash toward the purchase price.
Closing costs + prepaids$10,439Not just lender fees.
Before credits & paid funds$115,081The complete starting cash picture.
Estimated remaining funds due at closing
$115,081No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$104,641.29
Your down payment$104,641.29
Closing costs + prepaids$10,439.39
Total buyer cash needed$115,080.68
Remaining funds due$115,080.68
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)$11.25
Prepaid interest, first (12 days)$283.14
Fees + prepaids$10,439.39
Your down payment is the seller’s equity. You take over the $245,359 balance, so the rest of the $350,000 price is paid at closing. A second mortgage can cover part of it. $115,080.68 is due at closing. Uses and sources reconcile at $360,439.39 each. Not a Closing Disclosure.