Follow the dollars · Assumption only
A complete cash picture for Nov 29, 2026
Your down payment$139,231Cash toward the purchase price.
Closing costs + prepaids$10,969Not just lender fees.
Before credits & paid funds$150,200The complete starting cash picture.
Estimated remaining funds due at closing
$150,200No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$139,230.56
Your down payment$139,230.56
Closing costs + prepaids$10,969.24
Total buyer cash needed$150,199.80
Remaining funds due$150,199.80
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,498.88
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)$1,210.50
Prepaid interest, first (2 days)$34.86
Fees + prepaids$10,969.24
Your down payment is the seller’s equity. You take over the $210,657 balance, so the rest of the $349,888 price is paid at closing. A second mortgage can cover part of it. $150,199.80 is due at closing. Uses and sources reconcile at $360,857.24 each. Not a Closing Disclosure.