Follow the dollars · Assumption only
A complete cash picture for Dec 7, 2026
Your down payment$99,971Cash toward the purchase price.
Closing costs + prepaids$11,161Not just lender fees.
Before credits & paid funds$111,132The complete starting cash picture.
Estimated remaining funds due at closing
$111,132No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$99,970.73
Your down payment$99,970.73
Closing costs + prepaids$11,161.49
Total buyer cash needed$111,132.21
Remaining funds due$111,132.21
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)$955.25
Prepaid interest, first (25 days)$491.24
Fees + prepaids$11,161.49
Your down payment is the seller’s equity. You take over the $249,029 balance, so the rest of the $349,000 price is paid at closing. A second mortgage can cover part of it. $111,132.21 is due at closing. Uses and sources reconcile at $360,161.49 each. Not a Closing Disclosure.