Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$146,453Cash toward the purchase price.
Closing costs + prepaids$11,272Not just lender fees.
Before credits & paid funds$157,725The complete starting cash picture.
Estimated remaining funds due at closing
$157,725No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$146,453.41
Your down payment$146,453.41
Closing costs + prepaids$11,271.56
Total buyer cash needed$157,724.96
Remaining funds due$157,724.96
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,490.00
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)$1,121.50
Prepaid interest, first (28 days)$435.06
Fees + prepaids$11,271.56
Your down payment is the seller’s equity. You take over the $202,547 balance, so the rest of the $349,000 price is paid at closing. A second mortgage can cover part of it. $157,724.96 is due at closing. Uses and sources reconcile at $360,271.56 each. Not a Closing Disclosure.