Follow the dollars · Assumption only
A complete cash picture for Dec 16, 2026
Your down payment$144,223Cash toward the purchase price.
Closing costs + prepaids$11,470Not just lender fees.
Before credits & paid funds$155,693The complete starting cash picture.
Estimated remaining funds due at closing
$155,693No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$144,222.71
Your down payment$144,222.71
Closing costs + prepaids$11,470.28
Total buyer cash needed$155,693.00
Remaining funds due$155,693.00
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)$1,071.00
Prepaid interest, first (16 days)$236.78
Fees + prepaids$11,470.28
Your down payment is the seller’s equity. You take over the $205,777 balance, so the rest of the $350,000 price is paid at closing. A second mortgage can cover part of it. $155,693.00 is due at closing. Uses and sources reconcile at $361,470.28 each. Not a Closing Disclosure.