Follow the dollars · Assumption only
A complete cash picture for Nov 29, 2026
Your down payment$116,446Cash toward the purchase price.
Closing costs + prepaids$10,449Not just lender fees.
Before credits & paid funds$126,895The complete starting cash picture.
Estimated remaining funds due at closing
$126,895No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$116,445.98
Your down payment$116,445.98
Closing costs + prepaids$10,449.40
Total buyer cash needed$126,895.38
Remaining funds due$126,895.38
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,499.90
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)$519.25
Initial HOA (3 months)$125.01
Prepaid interest, first (2 days)$80.24
Fees + prepaids$10,449.40
Your down payment is the seller’s equity. You take over the $233,544 balance, so the rest of the $349,990 price is paid at closing. A second mortgage can cover part of it. $126,895.38 is due at closing. Uses and sources reconcile at $360,439.40 each. Not a Closing Disclosure.