Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$78,878Cash toward the purchase price.
Closing costs + prepaids$11,216Not just lender fees.
Before credits & paid funds$90,094The complete starting cash picture.
Estimated remaining funds due at closing
$90,094No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$78,878.09
Your down payment$78,878.09
Closing costs + prepaids$11,216.32
Total buyer cash needed$90,094.41
Remaining funds due$90,094.41
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,499.00
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)$615.00
Initial HOA (3 months)$330.00
Prepaid interest, first (27 days)$547.32
Fees + prepaids$11,216.32
Your down payment is the seller’s equity. You take over the $271,022 balance, so the rest of the $349,900 price is paid at closing. A second mortgage can cover part of it. $90,094.41 is due at closing. Uses and sources reconcile at $361,116.32 each. Not a Closing Disclosure.