Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$231,314Cash toward the purchase price.
Closing costs + prepaids$10,737Not just lender fees.
Before credits & paid funds$242,051The complete starting cash picture.
Estimated remaining funds due at closing
$242,051No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$231,313.52
Your down payment$231,313.52
Closing costs + prepaids$10,737.13
Total buyer cash needed$242,050.65
Remaining funds due$242,050.65
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)$384.25
Initial HOA (3 months)$225.00
Prepaid interest, first (31 days)$403.88
Fees + prepaids$10,737.13
Your down payment is the seller’s equity. You take over the $118,586 balance, so the rest of the $349,900 price is paid at closing. A second mortgage can cover part of it. $242,050.65 is due at closing. Uses and sources reconcile at $360,637.13 each. Not a Closing Disclosure.