Follow the dollars · Assumption only
A complete cash picture for Nov 29, 2026
Your down payment$206,264Cash toward the purchase price.
Closing costs + prepaids$10,951Not just lender fees.
Before credits & paid funds$217,214The complete starting cash picture.
Estimated remaining funds due at closing
$217,214No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$206,263.56
Your down payment$206,263.56
Closing costs + prepaids$10,950.92
Total buyer cash needed$217,214.48
Remaining funds due$217,214.48
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)$1,201.50
Prepaid interest, first (2 days)$25.42
Fees + prepaids$10,950.92
Your down payment is the seller’s equity. You take over the $143,636 balance, so the rest of the $349,900 price is paid at closing. A second mortgage can cover part of it. $217,214.48 is due at closing. Uses and sources reconcile at $360,850.92 each. Not a Closing Disclosure.