Follow the dollars · Assumption only
A complete cash picture for Dec 11, 2026
Your down payment$71,682Cash toward the purchase price.
Closing costs + prepaids$11,534Not just lender fees.
Before credits & paid funds$83,216The complete starting cash picture.
Estimated remaining funds due at closing
$83,216No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$71,682.06
Your down payment$71,682.06
Closing costs + prepaids$11,534.08
Total buyer cash needed$83,216.15
Remaining funds due$83,216.15
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)$498.25
Initial HOA (3 months)$270.00
Prepaid interest, first (21 days)$1,040.83
Fees + prepaids$11,534.08
Your down payment is the seller’s equity. You take over the $278,318 balance, so the rest of the $350,000 price is paid at closing. A second mortgage can cover part of it. $83,216.15 is due at closing. Uses and sources reconcile at $361,534.08 each. Not a Closing Disclosure.