Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$157,433Cash toward the purchase price.
Closing costs + prepaids$10,476Not just lender fees.
Before credits & paid funds$167,909The complete starting cash picture.
Estimated remaining funds due at closing
$167,909No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$157,433.01
Your down payment$157,433.01
Closing costs + prepaids$10,475.55
Total buyer cash needed$167,908.56
Remaining funds due$167,908.56
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)$574.50
Initial HOA (3 months)$156.00
Prepaid interest, first (1 days)$20.05
Fees + prepaids$10,475.55
Your down payment is the seller’s equity. You take over the $192,567 balance, so the rest of the $350,000 price is paid at closing. A second mortgage can cover part of it. $167,908.56 is due at closing. Uses and sources reconcile at $360,475.55 each. Not a Closing Disclosure.