Follow the dollars · Assumption only
A complete cash picture for Dec 7, 2026
Your down payment$141,621Cash toward the purchase price.
Closing costs + prepaids$10,913Not just lender fees.
Before credits & paid funds$152,533The complete starting cash picture.
Estimated remaining funds due at closing
$152,533No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$141,620.51
Your down payment$141,620.51
Closing costs + prepaids$10,912.73
Total buyer cash needed$152,533.24
Remaining funds due$152,533.24
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)$157.25
Prepaid interest, first (25 days)$1,030.48
Fees + prepaids$10,912.73
Your down payment is the seller’s equity. You take over the $208,379 balance, so the rest of the $350,000 price is paid at closing. A second mortgage can cover part of it. $152,533.24 is due at closing. Uses and sources reconcile at $360,912.73 each. Not a Closing Disclosure.