Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$134,807Cash toward the purchase price.
Closing costs + prepaids$11,122Not just lender fees.
Before credits & paid funds$145,929The complete starting cash picture.
Estimated remaining funds due at closing
$145,929No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$134,806.83
Your down payment$134,806.83
Closing costs + prepaids$11,122.46
Total buyer cash needed$145,929.29
Remaining funds due$145,929.29
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)$865.50
Prepaid interest, first (28 days)$532.96
Fees + prepaids$11,122.46
Your down payment is the seller’s equity. You take over the $215,093 balance, so the rest of the $349,900 price is paid at closing. A second mortgage can cover part of it. $145,929.29 is due at closing. Uses and sources reconcile at $361,022.46 each. Not a Closing Disclosure.