Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$141,062Cash toward the purchase price.
Closing costs + prepaids$10,490Not just lender fees.
Before credits & paid funds$151,552The complete starting cash picture.
Estimated remaining funds due at closing
$151,552No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$141,062.25
Your down payment$141,062.25
Closing costs + prepaids$10,489.61
Total buyer cash needed$151,551.86
Remaining funds due$151,551.86
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)$757.75
Prepaid interest, first (1 days)$16.86
Fees + prepaids$10,489.61
Your down payment is the seller’s equity. You take over the $207,938 balance, so the rest of the $349,000 price is paid at closing. A second mortgage can cover part of it. $151,551.86 is due at closing. Uses and sources reconcile at $359,489.61 each. Not a Closing Disclosure.