Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$107,267Cash toward the purchase price.
Closing costs + prepaids$11,045Not just lender fees.
Before credits & paid funds$118,312The complete starting cash picture.
Estimated remaining funds due at closing
$118,312No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$107,266.82
Your down payment$107,266.82
Closing costs + prepaids$11,045.09
Total buyer cash needed$118,311.92
Remaining funds due$118,311.92
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)$467.00
Initial HOA (3 months)$240.00
Prepaid interest, first (31 days)$614.09
Fees + prepaids$11,045.09
Your down payment is the seller’s equity. You take over the $242,633 balance, so the rest of the $349,900 price is paid at closing. A second mortgage can cover part of it. $118,311.92 is due at closing. Uses and sources reconcile at $360,945.09 each. Not a Closing Disclosure.