Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$221,920Cash toward the purchase price.
Closing costs + prepaids$10,587Not just lender fees.
Before credits & paid funds$232,507The complete starting cash picture.
Estimated remaining funds due at closing
$232,507No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$221,919.94
Your down payment$221,919.94
Closing costs + prepaids$10,587.07
Total buyer cash needed$232,507.01
Remaining funds due$232,507.01
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)$490.00
Prepaid interest, first (28 days)$373.07
Fees + prepaids$10,587.07
Your down payment is the seller’s equity. You take over the $127,980 balance, so the rest of the $349,900 price is paid at closing. A second mortgage can cover part of it. $232,507.01 is due at closing. Uses and sources reconcile at $360,487.07 each. Not a Closing Disclosure.