Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$24,642Cash toward the purchase price.
Closing costs + prepaids$11,080Not just lender fees.
Before credits & paid funds$35,723The complete starting cash picture.
Estimated remaining funds due at closing
$35,723No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$24,642.29
Your down payment$24,642.29
Closing costs + prepaids$11,080.23
Total buyer cash needed$35,722.51
Remaining funds due$35,722.51
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)$261.25
Initial HOA (3 months)$1,047.00
Prepaid interest, first (1 days)$46.98
Fees + prepaids$11,080.23
Your down payment is the seller’s equity. You take over the $325,358 balance, so the rest of the $350,000 price is paid at closing. A second mortgage can cover part of it. $35,722.51 is due at closing. Uses and sources reconcile at $361,080.23 each. Not a Closing Disclosure.