Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$253,943Cash toward the purchase price.
Closing costs + prepaids$10,990Not just lender fees.
Before credits & paid funds$264,934The complete starting cash picture.
Estimated remaining funds due at closing
$264,934No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$253,943.25
Your down payment$253,943.25
Closing costs + prepaids$10,990.42
Total buyer cash needed$264,933.67
Remaining funds due$264,933.67
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,490.00
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)$355.25
Initial HOA (3 months)$615.00
Prepaid interest, first (31 days)$305.17
Fees + prepaids$10,990.42
Your down payment is the seller’s equity. You take over the $95,057 balance, so the rest of the $349,000 price is paid at closing. A second mortgage can cover part of it. $264,933.67 is due at closing. Uses and sources reconcile at $359,990.42 each. Not a Closing Disclosure.