Follow the dollars · Assumption only
A complete cash picture for Dec 8, 2026
Your down payment$204,511Cash toward the purchase price.
Closing costs + prepaids$10,363Not just lender fees.
Before credits & paid funds$214,875The complete starting cash picture.
Estimated remaining funds due at closing
$214,875No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$204,511.18
Your down payment$204,511.18
Closing costs + prepaids$10,363.40
Total buyer cash needed$214,874.59
Remaining funds due$214,874.59
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)$295.25
Prepaid interest, first (24 days)$344.15
Fees + prepaids$10,363.40
Your down payment is the seller’s equity. You take over the $145,389 balance, so the rest of the $349,900 price is paid at closing. A second mortgage can cover part of it. $214,874.59 is due at closing. Uses and sources reconcile at $360,263.40 each. Not a Closing Disclosure.