Follow the dollars · Assumption only
A complete cash picture for Nov 29, 2026
Your down payment$90,453Cash toward the purchase price.
Closing costs + prepaids$11,557Not just lender fees.
Before credits & paid funds$102,009The complete starting cash picture.
Estimated remaining funds due at closing
$102,009No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$90,452.62
Your down payment$90,452.62
Closing costs + prepaids$11,556.64
Total buyer cash needed$102,009.26
Remaining funds due$102,009.26
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)$322.25
Initial HOA (3 months)$1,470.00
Prepaid interest, first (2 days)$39.39
Fees + prepaids$11,556.64
Your down payment is the seller’s equity. You take over the $259,547 balance, so the rest of the $350,000 price is paid at closing. A second mortgage can cover part of it. $102,009.26 is due at closing. Uses and sources reconcile at $361,556.64 each. Not a Closing Disclosure.