Follow the dollars · Assumption only
A complete cash picture for Dec 7, 2026
Your down payment$241,572Cash toward the purchase price.
Closing costs + prepaids$10,841Not just lender fees.
Before credits & paid funds$252,414The complete starting cash picture.
Estimated remaining funds due at closing
$252,414No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$241,572.32
Your down payment$241,572.32
Closing costs + prepaids$10,841.35
Total buyer cash needed$252,413.68
Remaining funds due$252,413.68
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)$872.50
Prepaid interest, first (25 days)$253.85
Fees + prepaids$10,841.35
Your down payment is the seller’s equity. You take over the $107,428 balance, so the rest of the $349,000 price is paid at closing. A second mortgage can cover part of it. $252,413.68 is due at closing. Uses and sources reconcile at $359,841.35 each. Not a Closing Disclosure.