Follow the dollars · Assumption only
A complete cash picture for Dec 3, 2026
Your down payment$126,086Cash toward the purchase price.
Closing costs + prepaids$11,074Not just lender fees.
Before credits & paid funds$137,161The complete starting cash picture.
Estimated remaining funds due at closing
$137,161No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$126,086.39
Your down payment$126,086.39
Closing costs + prepaids$11,074.13
Total buyer cash needed$137,160.52
Remaining funds due$137,160.52
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)$726.25
Initial HOA (3 months)$79.74
Prepaid interest, first (29 days)$544.14
Fees + prepaids$11,074.13
Your down payment is the seller’s equity. You take over the $223,814 balance, so the rest of the $349,900 price is paid at closing. A second mortgage can cover part of it. $137,160.52 is due at closing. Uses and sources reconcile at $360,974.13 each. Not a Closing Disclosure.