Follow the dollars · Assumption only
A complete cash picture for Dec 2, 2026
Your down payment$133,914Cash toward the purchase price.
Closing costs + prepaids$11,582Not just lender fees.
Before credits & paid funds$145,496The complete starting cash picture.
Estimated remaining funds due at closing
$145,496No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$133,914.21
Your down payment$133,914.21
Closing costs + prepaids$11,582.16
Total buyer cash needed$145,496.37
Remaining funds due$145,496.37
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)$859.50
Prepaid interest, first (30 days)$1,007.66
Fees + prepaids$11,582.16
Your down payment is the seller’s equity. You take over the $215,086 balance, so the rest of the $349,000 price is paid at closing. A second mortgage can cover part of it. $145,496.37 is due at closing. Uses and sources reconcile at $360,582.16 each. Not a Closing Disclosure.