Follow the dollars · Assumption only
A complete cash picture for Dec 10, 2026
Your down payment$206,452Cash toward the purchase price.
Closing costs + prepaids$10,989Not just lender fees.
Before credits & paid funds$217,441The complete starting cash picture.
Estimated remaining funds due at closing
$217,441No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$206,452.06
Your down payment$206,452.06
Closing costs + prepaids$10,989.40
Total buyer cash needed$217,441.46
Remaining funds due$217,441.46
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,499.99
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)$880.25
Prepaid interest, first (22 days)$384.16
Fees + prepaids$10,989.40
Your down payment is the seller’s equity. You take over the $143,547 balance, so the rest of the $349,999 price is paid at closing. A second mortgage can cover part of it. $217,441.46 is due at closing. Uses and sources reconcile at $360,988.40 each. Not a Closing Disclosure.