Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$28,577Cash toward the purchase price.
Closing costs + prepaids$10,667Not just lender fees.
Before credits & paid funds$39,243The complete starting cash picture.
Estimated remaining funds due at closing
$39,243No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$28,576.62
Your down payment$28,576.62
Closing costs + prepaids$10,666.74
Total buyer cash needed$39,243.36
Remaining funds due$39,243.36
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)$675.50
Initial HOA (3 months)$240.00
Prepaid interest, first (1 days)$26.24
Fees + prepaids$10,666.74
Your down payment is the seller’s equity. You take over the $321,423 balance, so the rest of the $350,000 price is paid at closing. A second mortgage can cover part of it. $39,243.36 is due at closing. Uses and sources reconcile at $360,666.74 each. Not a Closing Disclosure.