Follow the dollars · Assumption only
A complete cash picture for Dec 22, 2026
Your down payment$255,830Cash toward the purchase price.
Closing costs + prepaids$10,543Not just lender fees.
Before credits & paid funds$266,373The complete starting cash picture.
Estimated remaining funds due at closing
$266,373No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$255,830.42
Your down payment$255,830.42
Closing costs + prepaids$10,542.56
Total buyer cash needed$266,372.97
Remaining funds due$266,372.97
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)$418.75
Initial HOA (3 months)$309.00
Prepaid interest, first (10 days)$99.81
Fees + prepaids$10,542.56
Your down payment is the seller’s equity. You take over the $93,170 balance, so the rest of the $349,000 price is paid at closing. A second mortgage can cover part of it. $266,372.97 is due at closing. Uses and sources reconcile at $359,542.56 each. Not a Closing Disclosure.