Follow the dollars · Assumption only
A complete cash picture for Dec 22, 2026
Your down payment$231,314Cash toward the purchase price.
Closing costs + prepaids$10,499Not just lender fees.
Before credits & paid funds$241,813The complete starting cash picture.
Estimated remaining funds due at closing
$241,813No 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$10,499.28
Total buyer cash needed$241,812.80
Remaining funds due$241,812.80
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)$420.00
Initial HOA (3 months)$225.00
Prepaid interest, first (10 days)$130.28
Fees + prepaids$10,499.28
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. $241,812.80 is due at closing. Uses and sources reconcile at $360,399.28 each. Not a Closing Disclosure.