Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$248,704Cash toward the purchase price.
Closing costs + prepaids$10,395Not just lender fees.
Before credits & paid funds$259,100The complete starting cash picture.
Estimated remaining funds due at closing
$259,100No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$248,704.38
Your down payment$248,704.38
Closing costs + prepaids$10,395.21
Total buyer cash needed$259,099.59
Remaining funds due$259,099.59
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)$668.75
Prepaid interest, first (1 days)$11.46
Fees + prepaids$10,395.21
Your down payment is the seller’s equity. You take over the $100,296 balance, so the rest of the $349,000 price is paid at closing. A second mortgage can cover part of it. $259,099.59 is due at closing. Uses and sources reconcile at $359,395.21 each. Not a Closing Disclosure.