Follow the dollars · Assumption only
A complete cash picture for Dec 14, 2026
Your down payment$119,182Cash toward the purchase price.
Closing costs + prepaids$10,940Not just lender fees.
Before credits & paid funds$130,121The complete starting cash picture.
Estimated remaining funds due at closing
$130,121No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$119,181.54
Your down payment$119,181.54
Closing costs + prepaids$10,939.75
Total buyer cash needed$130,121.28
Remaining funds due$130,121.28
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)$437.50
Prepaid interest, first (18 days)$778.25
Fees + prepaids$10,939.75
Your down payment is the seller’s equity. You take over the $230,718 balance, so the rest of the $349,900 price is paid at closing. A second mortgage can cover part of it. $130,121.28 is due at closing. Uses and sources reconcile at $360,839.75 each. Not a Closing Disclosure.