Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$313,687Cash toward the purchase price.
Closing costs + prepaids$10,395Not just lender fees.
Before credits & paid funds$324,082The complete starting cash picture.
Estimated remaining funds due at closing
$324,082No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$313,687.36
Your down payment$313,687.36
Closing costs + prepaids$10,394.97
Total buyer cash needed$324,082.33
Remaining funds due$324,082.33
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)$232.75
Initial HOA (3 months)$315.00
Prepaid interest, first (27 days)$122.22
Fees + prepaids$10,394.97
Your down payment is the seller’s equity. You take over the $36,313 balance, so the rest of the $350,000 price is paid at closing. A second mortgage can cover part of it. $324,082.33 is due at closing. Uses and sources reconcile at $360,394.97 each. Not a Closing Disclosure.