Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$255,553Cash toward the purchase price.
Closing costs + prepaids$10,343Not just lender fees.
Before credits & paid funds$265,897The complete starting cash picture.
Estimated remaining funds due at closing
$265,897No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$255,553.49
Your down payment$255,553.49
Closing costs + prepaids$10,343.26
Total buyer cash needed$265,896.75
Remaining funds due$265,896.75
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)$309.25
Initial HOA (3 months)$309.00
Prepaid interest, first (1 days)$10.01
Fees + prepaids$10,343.26
Your down payment is the seller’s equity. You take over the $93,447 balance, so the rest of the $349,000 price is paid at closing. A second mortgage can cover part of it. $265,896.75 is due at closing. Uses and sources reconcile at $359,343.26 each. Not a Closing Disclosure.