Follow the dollars · Assumption only
A complete cash picture for Dec 3, 2026
Your down payment$104,914Cash toward the purchase price.
Closing costs + prepaids$11,162Not just lender fees.
Before credits & paid funds$116,075The complete starting cash picture.
Estimated remaining funds due at closing
$116,075No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$104,913.50
Your down payment$104,913.50
Closing costs + prepaids$11,161.54
Total buyer cash needed$116,075.04
Remaining funds due$116,075.04
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)$872.50
Prepaid interest, first (29 days)$574.04
Fees + prepaids$11,161.54
Your down payment is the seller’s equity. You take over the $244,086 balance, so the rest of the $349,000 price is paid at closing. A second mortgage can cover part of it. $116,075.04 is due at closing. Uses and sources reconcile at $360,161.54 each. Not a Closing Disclosure.