Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$118,237Cash toward the purchase price.
Closing costs + prepaids$10,658Not just lender fees.
Before credits & paid funds$128,895The complete starting cash picture.
Estimated remaining funds due at closing
$128,895No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$118,236.85
Your down payment$118,236.85
Closing costs + prepaids$10,658.15
Total buyer cash needed$128,894.99
Remaining funds due$128,894.99
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)$350.50
Prepaid interest, first (31 days)$582.65
Fees + prepaids$10,658.15
Your down payment is the seller’s equity. You take over the $231,763 balance, so the rest of the $350,000 price is paid at closing. A second mortgage can cover part of it. $128,894.99 is due at closing. Uses and sources reconcile at $360,658.15 each. Not a Closing Disclosure.