Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$97,517Cash toward the purchase price.
Closing costs + prepaids$12,367Not just lender fees.
Before credits & paid funds$109,884The complete starting cash picture.
Estimated remaining funds due at closing
$109,884No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$97,517.21
Your down payment$97,517.21
Closing costs + prepaids$12,366.96
Total buyer cash needed$109,884.16
Remaining funds due$109,884.16
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,490.00
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)$1,322.75
Prepaid interest, first (28 days)$1,329.21
Fees + prepaids$12,366.96
Your down payment is the seller’s equity. You take over the $251,483 balance, so the rest of the $349,000 price is paid at closing. A second mortgage can cover part of it. $109,884.16 is due at closing. Uses and sources reconcile at $361,366.96 each. Not a Closing Disclosure.