Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$313,542Cash toward the purchase price.
Closing costs + prepaids$10,277Not just lender fees.
Before credits & paid funds$323,820The complete starting cash picture.
Estimated remaining funds due at closing
$323,820No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$313,542.45
Your down payment$313,542.45
Closing costs + prepaids$10,277.29
Total buyer cash needed$323,819.74
Remaining funds due$323,819.74
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)$232.75
Initial HOA (3 months)$315.00
Prepaid interest, first (1 days)$4.54
Fees + prepaids$10,277.29
Your down payment is the seller’s equity. You take over the $36,458 balance, so the rest of the $350,000 price is paid at closing. A second mortgage can cover part of it. $323,819.74 is due at closing. Uses and sources reconcile at $360,277.29 each. Not a Closing Disclosure.