Follow the dollars · Assumption only
A complete cash picture for Dec 7, 2026
Your down payment$216,737Cash toward the purchase price.
Closing costs + prepaids$11,045Not just lender fees.
Before credits & paid funds$227,782The complete starting cash picture.
Estimated remaining funds due at closing
$227,782No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$216,737.11
Your down payment$216,737.11
Closing costs + prepaids$11,044.73
Total buyer cash needed$227,781.83
Remaining funds due$227,781.83
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)$1,001.50
Prepaid interest, first (25 days)$319.23
Fees + prepaids$11,044.73
Your down payment is the seller’s equity. You take over the $133,163 balance, so the rest of the $349,900 price is paid at closing. A second mortgage can cover part of it. $227,781.83 is due at closing. Uses and sources reconcile at $360,944.73 each. Not a Closing Disclosure.