Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$144,926Cash toward the purchase price.
Closing costs + prepaids$11,947Not just lender fees.
Before credits & paid funds$156,873The complete starting cash picture.
Estimated remaining funds due at closing
$156,873No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$144,925.77
Your down payment$144,925.77
Closing costs + prepaids$11,947.20
Total buyer cash needed$156,872.97
Remaining funds due$156,872.97
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)$1,564.00
Initial HOA (3 months)$72.99
Prepaid interest, first (28 days)$585.22
Fees + prepaids$11,947.20
Your down payment is the seller’s equity. You take over the $205,073 balance, so the rest of the $349,999 price is paid at closing. A second mortgage can cover part of it. $156,872.97 is due at closing. Uses and sources reconcile at $361,946.20 each. Not a Closing Disclosure.