Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$141,406Cash toward the purchase price.
Closing costs + prepaids$11,685Not just lender fees.
Before credits & paid funds$153,091The complete starting cash picture.
Estimated remaining funds due at closing
$153,091No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$141,406.44
Your down payment$141,406.44
Closing costs + prepaids$11,684.68
Total buyer cash needed$153,091.12
Remaining funds due$153,091.12
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)$841.50
Initial HOA (3 months)$675.00
Prepaid interest, first (27 days)$444.18
Fees + prepaids$11,684.68
Your down payment is the seller’s equity. You take over the $208,494 balance, so the rest of the $349,900 price is paid at closing. A second mortgage can cover part of it. $153,091.12 is due at closing. Uses and sources reconcile at $361,584.68 each. Not a Closing Disclosure.