Follow the dollars · Assumption only
A complete cash picture for Dec 9, 2026
Your down payment$145,650Cash toward the purchase price.
Closing costs + prepaids$11,026Not just lender fees.
Before credits & paid funds$156,676The complete starting cash picture.
Estimated remaining funds due at closing
$156,676No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$145,649.82
Your down payment$145,649.82
Closing costs + prepaids$11,026.00
Total buyer cash needed$156,675.81
Remaining funds due$156,675.81
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,500.00
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)$464.00
Prepaid interest, first (23 days)$837.00
Fees + prepaids$11,026.00
Your down payment is the seller’s equity. You take over the $204,350 balance, so the rest of the $350,000 price is paid at closing. A second mortgage can cover part of it. $156,675.81 is due at closing. Uses and sources reconcile at $361,026.00 each. Not a Closing Disclosure.