Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$242,291Cash toward the purchase price.
Closing costs + prepaids$10,512Not just lender fees.
Before credits & paid funds$252,802The complete starting cash picture.
Estimated remaining funds due at closing
$252,802No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$242,290.74
Your down payment$242,290.74
Closing costs + prepaids$10,511.54
Total buyer cash needed$252,802.28
Remaining funds due$252,802.28
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)$519.25
Prepaid interest, first (26 days)$268.29
Fees + prepaids$10,511.54
Your down payment is the seller’s equity. You take over the $107,609 balance, so the rest of the $349,900 price is paid at closing. A second mortgage can cover part of it. $252,802.28 is due at closing. Uses and sources reconcile at $360,411.54 each. Not a Closing Disclosure.