Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$30,735Cash toward the purchase price.
Closing costs + prepaids$12,232Not just lender fees.
Before credits & paid funds$42,968The complete starting cash picture.
Estimated remaining funds due at closing
$42,968No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$30,735.43
Your down payment$30,735.43
Closing costs + prepaids$12,232.46
Total buyer cash needed$42,967.89
Remaining funds due$42,967.89
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)$465.25
Initial HOA (3 months)$258.00
Prepaid interest, first (31 days)$1,784.21
Fees + prepaids$12,232.46
Your down payment is the seller’s equity. You take over the $319,265 balance, so the rest of the $350,000 price is paid at closing. A second mortgage can cover part of it. $42,967.89 is due at closing. Uses and sources reconcile at $362,232.46 each. Not a Closing Disclosure.