Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$92,596Cash toward the purchase price.
Closing costs + prepaids$10,074Not just lender fees.
Before credits & paid funds$102,670The complete starting cash picture.
Estimated remaining funds due at closing
$102,670No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$92,596.49
Your down payment$92,596.49
Closing costs + prepaids$10,073.93
Total buyer cash needed$102,670.42
Remaining funds due$102,670.42
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)$310.25
Prepaid interest, first (1 days)$48.68
Fees + prepaids$10,073.93
Your down payment is the seller’s equity. You take over the $256,404 balance, so the rest of the $349,000 price is paid at closing. A second mortgage can cover part of it. $102,670.42 is due at closing. Uses and sources reconcile at $359,073.93 each. Not a Closing Disclosure.