Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$130,578Cash toward the purchase price.
Closing costs + prepaids$10,760Not just lender fees.
Before credits & paid funds$141,338The complete starting cash picture.
Estimated remaining funds due at closing
$141,338No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$130,577.67
Your down payment$130,577.67
Closing costs + prepaids$10,759.93
Total buyer cash needed$141,337.61
Remaining funds due$141,337.61
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,499.00
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)$1,014.00
Prepaid interest, first (1 days)$21.93
Fees + prepaids$10,759.93
Your down payment is the seller’s equity. You take over the $219,322 balance, so the rest of the $349,900 price is paid at closing. A second mortgage can cover part of it. $141,337.61 is due at closing. Uses and sources reconcile at $360,659.93 each. Not a Closing Disclosure.