Follow the dollars · Assumption only
A complete cash picture for Dec 15, 2026
Your down payment$125,770Cash toward the purchase price.
Closing costs + prepaids$10,824Not just lender fees.
Before credits & paid funds$136,595The complete starting cash picture.
Estimated remaining funds due at closing
$136,595No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$125,770.46
Your down payment$125,770.46
Closing costs + prepaids$10,824.37
Total buyer cash needed$136,594.83
Remaining funds due$136,594.83
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 (17 days)$662.87
Fees + prepaids$10,824.37
Your down payment is the seller’s equity. You take over the $224,130 balance, so the rest of the $349,900 price is paid at closing. A second mortgage can cover part of it. $136,594.83 is due at closing. Uses and sources reconcile at $360,724.37 each. Not a Closing Disclosure.