Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$17,681Cash toward the purchase price.
Closing costs + prepaids$11,713Not just lender fees.
Before credits & paid funds$29,394The complete starting cash picture.
Estimated remaining funds due at closing
$29,394No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$17,680.65
Your down payment$17,680.65
Closing costs + prepaids$11,713.17
Total buyer cash needed$29,393.82
Remaining funds due$29,393.82
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)$218.50
Prepaid interest, first (31 days)$1,769.67
Fees + prepaids$11,713.17
Your down payment is the seller’s equity. You take over the $332,319 balance, so the rest of the $350,000 price is paid at closing. A second mortgage can cover part of it. $29,393.82 is due at closing. Uses and sources reconcile at $361,713.17 each. Not a Closing Disclosure.