Follow the dollars · Assumption only
A complete cash picture for Dec 9, 2026
Your down payment$227,814Cash toward the purchase price.
Closing costs + prepaids$10,195Not just lender fees.
Before credits & paid funds$238,009The complete starting cash picture.
Estimated remaining funds due at closing
$238,009No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$227,813.66
Your down payment$227,813.66
Closing costs + prepaids$10,195.20
Total buyer cash needed$238,008.86
Remaining funds due$238,008.86
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)$192.25
Prepaid interest, first (23 days)$277.95
Fees + prepaids$10,195.20
Your down payment is the seller’s equity. You take over the $122,186 balance, so the rest of the $350,000 price is paid at closing. A second mortgage can cover part of it. $238,008.86 is due at closing. Uses and sources reconcile at $360,195.20 each. Not a Closing Disclosure.