Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$224,885Cash toward the purchase price.
Closing costs + prepaids$11,951Not just lender fees.
Before credits & paid funds$236,836The complete starting cash picture.
Estimated remaining funds due at closing
$236,836No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$224,885.10
Your down payment$224,885.10
Closing costs + prepaids$11,950.53
Total buyer cash needed$236,835.63
Remaining funds due$236,835.63
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,500.00
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)$1,832.50
Prepaid interest, first (26 days)$393.03
Fees + prepaids$11,950.53
Your down payment is the seller’s equity. You take over the $125,115 balance, so the rest of the $350,000 price is paid at closing. A second mortgage can cover part of it. $236,835.63 is due at closing. Uses and sources reconcile at $361,950.53 each. Not a Closing Disclosure.