Follow the dollars · Assumption only
A complete cash picture for Nov 29, 2026
Your down payment$247,284Cash toward the purchase price.
Closing costs + prepaids$10,602Not just lender fees.
Before credits & paid funds$257,886The complete starting cash picture.
Estimated remaining funds due at closing
$257,886No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$247,283.84
Your down payment$247,283.84
Closing costs + prepaids$10,601.86
Total buyer cash needed$257,885.70
Remaining funds due$257,885.70
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)$853.50
Prepaid interest, first (2 days)$23.36
Fees + prepaids$10,601.86
Your down payment is the seller’s equity. You take over the $102,716 balance, so the rest of the $350,000 price is paid at closing. A second mortgage can cover part of it. $257,885.70 is due at closing. Uses and sources reconcile at $360,601.86 each. Not a Closing Disclosure.