Follow the dollars · Assumption only
A complete cash picture for Dec 8, 2026
Your down payment$81,162Cash toward the purchase price.
Closing costs + prepaids$11,106Not just lender fees.
Before credits & paid funds$92,268The complete starting cash picture.
Estimated remaining funds due at closing
$92,268No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$81,162.45
Your down payment$81,162.45
Closing costs + prepaids$11,105.89
Total buyer cash needed$92,268.34
Remaining funds due$92,268.34
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)$874.75
Prepaid interest, first (24 days)$507.14
Fees + prepaids$11,105.89
Your down payment is the seller’s equity. You take over the $268,738 balance, so the rest of the $349,900 price is paid at closing. A second mortgage can cover part of it. $92,268.34 is due at closing. Uses and sources reconcile at $361,005.89 each. Not a Closing Disclosure.