Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$192,952Cash toward the purchase price.
Closing costs + prepaids$10,027Not just lender fees.
Before credits & paid funds$202,979The complete starting cash picture.
Estimated remaining funds due at closing
$202,979No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$192,951.51
Your down payment$192,951.51
Closing costs + prepaids$10,027.49
Total buyer cash needed$202,979.00
Remaining funds due$202,979.00
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,500.00
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)$287.00
Prepaid interest, first (1 days)$15.49
Fees + prepaids$10,027.49
Your down payment is the seller’s equity. You take over the $157,048 balance, so the rest of the $350,000 price is paid at closing. A second mortgage can cover part of it. $202,979.00 is due at closing. Uses and sources reconcile at $360,027.49 each. Not a Closing Disclosure.