Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$263,655Cash toward the purchase price.
Closing costs + prepaids$10,646Not just lender fees.
Before credits & paid funds$274,301The complete starting cash picture.
Estimated remaining funds due at closing
$274,301No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$263,654.93
Your down payment$263,654.93
Closing costs + prepaids$10,646.11
Total buyer cash needed$274,301.04
Remaining funds due$274,301.04
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)$285.50
Initial HOA (3 months)$474.00
Prepaid interest, first (31 days)$162.61
Fees + prepaids$10,646.11
Your down payment is the seller’s equity. You take over the $86,245 balance, so the rest of the $349,900 price is paid at closing. A second mortgage can cover part of it. $274,301.04 is due at closing. Uses and sources reconcile at $360,546.11 each. Not a Closing Disclosure.