Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$144,467Cash toward the purchase price.
Closing costs + prepaids$11,445Not just lender fees.
Before credits & paid funds$155,911The complete starting cash picture.
Estimated remaining funds due at closing
$155,911No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$144,466.63
Your down payment$144,466.63
Closing costs + prepaids$11,444.63
Total buyer cash needed$155,911.26
Remaining funds due$155,911.26
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)$221.50
Initial HOA (3 months)$1,020.00
Prepaid interest, first (31 days)$488.13
Fees + prepaids$11,444.63
Your down payment is the seller’s equity. You take over the $204,533 balance, so the rest of the $349,000 price is paid at closing. A second mortgage can cover part of it. $155,911.26 is due at closing. Uses and sources reconcile at $360,444.63 each. Not a Closing Disclosure.