Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$223,280Cash toward the purchase price.
Closing costs + prepaids$10,836Not just lender fees.
Before credits & paid funds$234,116The complete starting cash picture.
Estimated remaining funds due at closing
$234,116No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$223,280.39
Your down payment$223,280.39
Closing costs + prepaids$10,835.85
Total buyer cash needed$234,116.24
Remaining funds due$234,116.24
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)$599.75
Initial HOA (3 months)$75.00
Prepaid interest, first (28 days)$437.10
Fees + prepaids$10,835.85
Your down payment is the seller’s equity. You take over the $126,620 balance, so the rest of the $349,900 price is paid at closing. A second mortgage can cover part of it. $234,116.24 is due at closing. Uses and sources reconcile at $360,735.85 each. Not a Closing Disclosure.