Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$237,089Cash toward the purchase price.
Closing costs + prepaids$11,783Not just lender fees.
Before credits & paid funds$248,872The complete starting cash picture.
Estimated remaining funds due at closing
$248,872No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$237,088.60
Your down payment$237,088.60
Closing costs + prepaids$11,783.46
Total buyer cash needed$248,872.05
Remaining funds due$248,872.05
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)$1,564.50
Initial HOA (3 months)$79.50
Prepaid interest, first (26 days)$415.46
Fees + prepaids$11,783.46
Your down payment is the seller’s equity. You take over the $112,811 balance, so the rest of the $349,900 price is paid at closing. A second mortgage can cover part of it. $248,872.05 is due at closing. Uses and sources reconcile at $361,683.46 each. Not a Closing Disclosure.