Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$124,153Cash toward the purchase price.
Closing costs + prepaids$10,322Not just lender fees.
Before credits & paid funds$134,475The complete starting cash picture.
Estimated remaining funds due at closing
$134,475No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$124,153.47
Your down payment$124,153.47
Closing costs + prepaids$10,321.97
Total buyer cash needed$134,475.44
Remaining funds due$134,475.44
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,495.00
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)$398.50
Initial HOA (3 months)$186.00
Prepaid interest, first (1 days)$17.47
Fees + prepaids$10,321.97
Your down payment is the seller’s equity. You take over the $225,347 balance, so the rest of the $349,500 price is paid at closing. A second mortgage can cover part of it. $134,475.44 is due at closing. Uses and sources reconcile at $359,821.97 each. Not a Closing Disclosure.