Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$32,559Cash toward the purchase price.
Closing costs + prepaids$10,115Not just lender fees.
Before credits & paid funds$42,674The complete starting cash picture.
Estimated remaining funds due at closing
$42,674No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$32,559.47
Your down payment$32,559.47
Closing costs + prepaids$10,114.93
Total buyer cash needed$42,674.40
Remaining funds due$42,674.40
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)$290.50
Initial HOA (3 months)$54.99
Prepaid interest, first (1 days)$44.44
Fees + prepaids$10,114.93
Your down payment is the seller’s equity. You take over the $317,441 balance, so the rest of the $350,000 price is paid at closing. A second mortgage can cover part of it. $42,674.40 is due at closing. Uses and sources reconcile at $360,114.93 each. Not a Closing Disclosure.