Follow the dollars · Assumption only
A complete cash picture for Dec 27, 2026
Your down payment$149,573Cash toward the purchase price.
Closing costs + prepaids$10,719Not just lender fees.
Before credits & paid funds$160,291The complete starting cash picture.
Estimated remaining funds due at closing
$160,291No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$149,572.51
Your down payment$149,572.51
Closing costs + prepaids$10,718.61
Total buyer cash needed$160,291.12
Remaining funds due$160,291.12
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,499.00
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)$892.25
Prepaid interest, first (5 days)$102.36
Fees + prepaids$10,718.61
Your down payment is the seller’s equity. You take over the $200,327 balance, so the rest of the $349,900 price is paid at closing. A second mortgage can cover part of it. $160,291.12 is due at closing. Uses and sources reconcile at $360,618.61 each. Not a Closing Disclosure.