Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$111,840Cash toward the purchase price.
Closing costs + prepaids$10,779Not just lender fees.
Before credits & paid funds$122,618The complete starting cash picture.
Estimated remaining funds due at closing
$122,618No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$111,839.72
Your down payment$111,839.72
Closing costs + prepaids$10,778.73
Total buyer cash needed$122,618.45
Remaining funds due$122,618.45
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)$362.00
Prepaid interest, first (27 days)$701.73
Fees + prepaids$10,778.73
Your down payment is the seller’s equity. You take over the $237,160 balance, so the rest of the $349,000 price is paid at closing. A second mortgage can cover part of it. $122,618.45 is due at closing. Uses and sources reconcile at $359,778.73 each. Not a Closing Disclosure.