Follow the dollars · Assumption only
A complete cash picture for Dec 9, 2026
Your down payment$116,735Cash toward the purchase price.
Closing costs + prepaids$11,291Not just lender fees.
Before credits & paid funds$128,026The complete starting cash picture.
Estimated remaining funds due at closing
$128,026No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$116,735.32
Your down payment$116,735.32
Closing costs + prepaids$11,290.74
Total buyer cash needed$128,026.06
Remaining funds due$128,026.06
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,499.90
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)$519.25
Initial HOA (3 months)$125.01
Prepaid interest, first (23 days)$921.58
Fees + prepaids$11,290.74
Your down payment is the seller’s equity. You take over the $233,255 balance, so the rest of the $349,990 price is paid at closing. A second mortgage can cover part of it. $128,026.06 is due at closing. Uses and sources reconcile at $361,280.74 each. Not a Closing Disclosure.