Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$256,209Cash toward the purchase price.
Closing costs + prepaids$10,622Not just lender fees.
Before credits & paid funds$266,832The complete starting cash picture.
Estimated remaining funds due at closing
$266,832No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$256,209.35
Your down payment$256,209.35
Closing costs + prepaids$10,622.21
Total buyer cash needed$266,831.56
Remaining funds due$266,831.56
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,489.00
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)$610.75
Initial HOA (3 months)$99.99
Prepaid interest, first (27 days)$197.47
Fees + prepaids$10,622.21
Your down payment is the seller’s equity. You take over the $92,691 balance, so the rest of the $348,900 price is paid at closing. A second mortgage can cover part of it. $266,831.56 is due at closing. Uses and sources reconcile at $359,522.21 each. Not a Closing Disclosure.