Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$263,431Cash toward the purchase price.
Closing costs + prepaids$10,489Not just lender fees.
Before credits & paid funds$273,920The complete starting cash picture.
Estimated remaining funds due at closing
$273,920No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$263,431.35
Your down payment$263,431.35
Closing costs + prepaids$10,488.76
Total buyer cash needed$273,920.11
Remaining funds due$273,920.11
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 (1 days)$5.26
Fees + prepaids$10,488.76
Your down payment is the seller’s equity. You take over the $86,469 balance, so the rest of the $349,900 price is paid at closing. A second mortgage can cover part of it. $273,920.11 is due at closing. Uses and sources reconcile at $360,388.76 each. Not a Closing Disclosure.