Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$75,605Cash toward the purchase price.
Closing costs + prepaids$9,937Not just lender fees.
Before credits & paid funds$85,542The complete starting cash picture.
Estimated remaining funds due at closing
$85,542No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$75,605.09
Your down payment$75,605.09
Closing costs + prepaids$9,936.84
Total buyer cash needed$85,541.93
Remaining funds due$85,541.93
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)$173.50
Prepaid interest, first (1 days)$38.34
Fees + prepaids$9,936.84
Your down payment is the seller’s equity. You take over the $274,395 balance, so the rest of the $350,000 price is paid at closing. A second mortgage can cover part of it. $85,541.93 is due at closing. Uses and sources reconcile at $359,936.84 each. Not a Closing Disclosure.