Follow the dollars · Assumption only
A complete cash picture for Dec 9, 2026
Your down payment$129,754Cash toward the purchase price.
Closing costs + prepaids$11,398Not just lender fees.
Before credits & paid funds$141,152The complete starting cash picture.
Estimated remaining funds due at closing
$141,152No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$129,754.24
Your down payment$129,754.24
Closing costs + prepaids$11,397.63
Total buyer cash needed$141,151.88
Remaining funds due$141,151.88
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)$1,212.75
Initial HOA (3 months)$74.76
Prepaid interest, first (23 days)$395.12
Fees + prepaids$11,397.63
Your down payment is the seller’s equity. You take over the $219,246 balance, so the rest of the $349,000 price is paid at closing. A second mortgage can cover part of it. $141,151.88 is due at closing. Uses and sources reconcile at $360,397.63 each. Not a Closing Disclosure.