Follow the dollars · Assumption only
A complete cash picture for Dec 3, 2026
Your down payment$105,918Cash toward the purchase price.
Closing costs + prepaids$11,800Not just lender fees.
Before credits & paid funds$117,717The complete starting cash picture.
Estimated remaining funds due at closing
$117,717No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$105,917.80
Your down payment$105,917.80
Closing costs + prepaids$11,799.52
Total buyer cash needed$117,717.32
Remaining funds due$117,717.32
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,499.99
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)$814.00
Prepaid interest, first (29 days)$1,260.53
Fees + prepaids$11,799.52
Your down payment is the seller’s equity. You take over the $244,081 balance, so the rest of the $349,999 price is paid at closing. A second mortgage can cover part of it. $117,717.32 is due at closing. Uses and sources reconcile at $361,798.52 each. Not a Closing Disclosure.