Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$145,703Cash toward the purchase price.
Closing costs + prepaids$11,959Not just lender fees.
Before credits & paid funds$157,662The complete starting cash picture.
Estimated remaining funds due at closing
$157,662No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$145,703.05
Your down payment$145,703.05
Closing costs + prepaids$11,958.70
Total buyer cash needed$157,661.75
Remaining funds due$157,661.75
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)$1,146.00
Initial HOA (3 months)$300.00
Prepaid interest, first (31 days)$797.70
Fees + prepaids$11,958.70
Your down payment is the seller’s equity. You take over the $203,297 balance, so the rest of the $349,000 price is paid at closing. A second mortgage can cover part of it. $157,661.75 is due at closing. Uses and sources reconcile at $360,958.70 each. Not a Closing Disclosure.