Follow the dollars · Assumption only
A complete cash picture for Dec 9, 2026
Your down payment$213,193Cash toward the purchase price.
Closing costs + prepaids$10,764Not just lender fees.
Before credits & paid funds$223,957The complete starting cash picture.
Estimated remaining funds due at closing
$223,957No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$213,193.22
Your down payment$213,193.22
Closing costs + prepaids$10,763.93
Total buyer cash needed$223,957.15
Remaining funds due$223,957.15
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)$740.00
Prepaid interest, first (23 days)$308.93
Fees + prepaids$10,763.93
Your down payment is the seller’s equity. You take over the $135,807 balance, so the rest of the $349,000 price is paid at closing. A second mortgage can cover part of it. $223,957.15 is due at closing. Uses and sources reconcile at $359,763.93 each. Not a Closing Disclosure.