Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$208,124Cash toward the purchase price.
Closing costs + prepaids$10,365Not just lender fees.
Before credits & paid funds$218,489The complete starting cash picture.
Estimated remaining funds due at closing
$218,489No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$208,124.08
Your down payment$208,124.08
Closing costs + prepaids$10,364.91
Total buyer cash needed$218,488.99
Remaining funds due$218,488.99
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)$624.75
Prepaid interest, first (1 days)$15.16
Fees + prepaids$10,364.91
Your down payment is the seller’s equity. You take over the $141,876 balance, so the rest of the $350,000 price is paid at closing. A second mortgage can cover part of it. $218,488.99 is due at closing. Uses and sources reconcile at $360,364.91 each. Not a Closing Disclosure.