Follow the dollars · Assumption only
A complete cash picture for Dec 19, 2026
Your down payment$72,178Cash toward the purchase price.
Closing costs + prepaids$10,922Not just lender fees.
Before credits & paid funds$83,100The complete starting cash picture.
Estimated remaining funds due at closing
$83,100No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$72,177.50
Your down payment$72,177.50
Closing costs + prepaids$10,922.31
Total buyer cash needed$83,099.81
Remaining funds due$83,099.81
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,499.00
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)$105.00
Prepaid interest, first (13 days)$655.81
Fees + prepaids$10,922.31
Your down payment is the seller’s equity. You take over the $277,722 balance, so the rest of the $349,900 price is paid at closing. A second mortgage can cover part of it. $83,099.81 is due at closing. Uses and sources reconcile at $360,822.31 each. Not a Closing Disclosure.