Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$210,717Cash toward the purchase price.
Closing costs + prepaids$10,764Not just lender fees.
Before credits & paid funds$221,481The complete starting cash picture.
Estimated remaining funds due at closing
$221,481No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$210,717.20
Your down payment$210,717.20
Closing costs + prepaids$10,763.56
Total buyer cash needed$221,480.76
Remaining funds due$221,480.76
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)$565.50
Prepaid interest, first (28 days)$474.06
Fees + prepaids$10,763.56
Your down payment is the seller’s equity. You take over the $139,183 balance, so the rest of the $349,900 price is paid at closing. A second mortgage can cover part of it. $221,480.76 is due at closing. Uses and sources reconcile at $360,663.56 each. Not a Closing Disclosure.