Follow the dollars · Assumption only
A complete cash picture for Dec 26, 2026
Your down payment$236,379Cash toward the purchase price.
Closing costs + prepaids$10,271Not just lender fees.
Before credits & paid funds$246,651The complete starting cash picture.
Estimated remaining funds due at closing
$246,651No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$236,379.44
Your down payment$236,379.44
Closing costs + prepaids$10,271.49
Total buyer cash needed$246,650.93
Remaining funds due$246,650.93
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)$418.75
Prepaid interest, first (6 days)$137.74
Fees + prepaids$10,271.49
Your down payment is the seller’s equity. You take over the $112,621 balance, so the rest of the $349,000 price is paid at closing. A second mortgage can cover part of it. $246,650.93 is due at closing. Uses and sources reconcile at $359,271.49 each. Not a Closing Disclosure.