Follow the dollars · Assumption only
A complete cash picture for Dec 2, 2026
Your down payment$241,097Cash toward the purchase price.
Closing costs + prepaids$10,182Not just lender fees.
Before credits & paid funds$251,279The complete starting cash picture.
Estimated remaining funds due at closing
$251,279No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$241,097.07
Your down payment$241,097.07
Closing costs + prepaids$10,182.00
Total buyer cash needed$251,279.07
Remaining funds due$251,279.07
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)$138.75
Prepaid interest, first (30 days)$319.25
Fees + prepaids$10,182.00
Your down payment is the seller’s equity. You take over the $108,803 balance, so the rest of the $349,900 price is paid at closing. A second mortgage can cover part of it. $251,279.07 is due at closing. Uses and sources reconcile at $360,082.00 each. Not a Closing Disclosure.