Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$122,588Cash toward the purchase price.
Closing costs + prepaids$10,252Not just lender fees.
Before credits & paid funds$132,840The complete starting cash picture.
Estimated remaining funds due at closing
$132,840No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$122,588.07
Your down payment$122,588.07
Closing costs + prepaids$10,251.94
Total buyer cash needed$132,840.01
Remaining funds due$132,840.01
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,499.99
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)$367.25
Initial HOA (3 months)$140.01
Prepaid interest, first (1 days)$19.69
Fees + prepaids$10,251.94
Your down payment is the seller’s equity. You take over the $227,411 balance, so the rest of the $349,999 price is paid at closing. A second mortgage can cover part of it. $132,840.01 is due at closing. Uses and sources reconcile at $360,250.94 each. Not a Closing Disclosure.