Follow the dollars · Assumption only
A complete cash picture for Dec 15, 2026
Your down payment$220,387Cash toward the purchase price.
Closing costs + prepaids$10,886Not just lender fees.
Before credits & paid funds$231,273The complete starting cash picture.
Estimated remaining funds due at closing
$231,273No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$220,386.66
Your down payment$220,386.66
Closing costs + prepaids$10,886.31
Total buyer cash needed$231,272.97
Remaining funds due$231,272.97
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)$437.50
Initial HOA (3 months)$492.00
Prepaid interest, first (17 days)$231.81
Fees + prepaids$10,886.31
Your down payment is the seller’s equity. You take over the $129,613 balance, so the rest of the $350,000 price is paid at closing. A second mortgage can cover part of it. $231,272.97 is due at closing. Uses and sources reconcile at $360,886.31 each. Not a Closing Disclosure.