Follow the dollars · Assumption only
A complete cash picture for Nov 29, 2026
Your down payment$252,713Cash toward the purchase price.
Closing costs + prepaids$10,342Not just lender fees.
Before credits & paid funds$263,054The complete starting cash picture.
Estimated remaining funds due at closing
$263,054No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$252,712.58
Your down payment$252,712.58
Closing costs + prepaids$10,341.82
Total buyer cash needed$263,054.40
Remaining funds due$263,054.40
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)$286.75
Initial HOA (3 months)$300.00
Prepaid interest, first (2 days)$30.07
Fees + prepaids$10,341.82
Your down payment is the seller’s equity. You take over the $97,287 balance, so the rest of the $350,000 price is paid at closing. A second mortgage can cover part of it. $263,054.40 is due at closing. Uses and sources reconcile at $360,341.82 each. Not a Closing Disclosure.