Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$111,664Cash toward the purchase price.
Closing costs + prepaids$10,725Not just lender fees.
Before credits & paid funds$122,389The complete starting cash picture.
Estimated remaining funds due at closing
$122,389No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$111,664.38
Your down payment$111,664.38
Closing costs + prepaids$10,725.08
Total buyer cash needed$122,389.46
Remaining funds due$122,389.46
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,500.00
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)$982.25
Prepaid interest, first (1 days)$17.83
Fees + prepaids$10,725.08
Your down payment is the seller’s equity. You take over the $238,336 balance, so the rest of the $350,000 price is paid at closing. A second mortgage can cover part of it. $122,389.46 is due at closing. Uses and sources reconcile at $360,725.08 each. Not a Closing Disclosure.