Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$138,582Cash toward the purchase price.
Closing costs + prepaids$11,029Not just lender fees.
Before credits & paid funds$149,611The complete starting cash picture.
Estimated remaining funds due at closing
$149,611No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$138,582.41
Your down payment$138,582.41
Closing costs + prepaids$11,028.86
Total buyer cash needed$149,611.27
Remaining funds due$149,611.27
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)$658.75
Prepaid interest, first (31 days)$646.11
Fees + prepaids$11,028.86
Your down payment is the seller’s equity. You take over the $211,318 balance, so the rest of the $349,900 price is paid at closing. A second mortgage can cover part of it. $149,611.27 is due at closing. Uses and sources reconcile at $360,928.86 each. Not a Closing Disclosure.