Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$293,477Cash toward the purchase price.
Closing costs + prepaids$10,190Not just lender fees.
Before credits & paid funds$303,668The complete starting cash picture.
Estimated remaining funds due at closing
$303,668No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$293,477.47
Your down payment$293,477.47
Closing costs + prepaids$10,190.40
Total buyer cash needed$303,667.87
Remaining funds due$303,667.87
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)$287.25
Prepaid interest, first (31 days)$188.15
Fees + prepaids$10,190.40
Your down payment is the seller’s equity. You take over the $55,523 balance, so the rest of the $349,000 price is paid at closing. A second mortgage can cover part of it. $303,667.87 is due at closing. Uses and sources reconcile at $359,190.40 each. Not a Closing Disclosure.