Follow the dollars · Assumption only
A complete cash picture for Dec 8, 2026
Your down payment$127,074Cash toward the purchase price.
Closing costs + prepaids$13,248Not just lender fees.
Before credits & paid funds$140,321The complete starting cash picture.
Estimated remaining funds due at closing
$140,321No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$127,073.72
Your down payment$127,073.72
Closing costs + prepaids$13,247.69
Total buyer cash needed$140,321.40
Remaining funds due$140,321.40
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)$872.50
Initial HOA (3 months)$2,094.00
Prepaid interest, first (24 days)$566.19
Fees + prepaids$13,247.69
Your down payment is the seller’s equity. You take over the $221,926 balance, so the rest of the $349,000 price is paid at closing. A second mortgage can cover part of it. $140,321.40 is due at closing. Uses and sources reconcile at $362,247.69 each. Not a Closing Disclosure.