Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$139,985Cash toward the purchase price.
Closing costs + prepaids$11,657Not just lender fees.
Before credits & paid funds$151,642The complete starting cash picture.
Estimated remaining funds due at closing
$151,642No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$139,985.17
Your down payment$139,985.17
Closing costs + prepaids$11,656.96
Total buyer cash needed$151,642.13
Remaining funds due$151,642.13
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)$1,151.75
Initial HOA (3 months)$168.00
Prepaid interest, first (28 days)$612.21
Fees + prepaids$11,656.96
Your down payment is the seller’s equity. You take over the $210,015 balance, so the rest of the $350,000 price is paid at closing. A second mortgage can cover part of it. $151,642.13 is due at closing. Uses and sources reconcile at $361,656.96 each. Not a Closing Disclosure.