Follow the dollars · Assumption only
A complete cash picture for Nov 29, 2026
Your down payment$230,942Cash toward the purchase price.
Closing costs + prepaids$10,359Not just lender fees.
Before credits & paid funds$241,301The complete starting cash picture.
Estimated remaining funds due at closing
$241,301No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$230,941.81
Your down payment$230,941.81
Closing costs + prepaids$10,359.39
Total buyer cash needed$241,301.19
Remaining funds due$241,301.19
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,499.00
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)$384.25
Initial HOA (3 months)$225.00
Prepaid interest, first (2 days)$26.14
Fees + prepaids$10,359.39
Your down payment is the seller’s equity. You take over the $118,958 balance, so the rest of the $349,900 price is paid at closing. A second mortgage can cover part of it. $241,301.19 is due at closing. Uses and sources reconcile at $360,259.39 each. Not a Closing Disclosure.