Follow the dollars · Assumption only
A complete cash picture for Dec 12, 2026
Your down payment$124,696Cash toward the purchase price.
Closing costs + prepaids$10,653Not just lender fees.
Before credits & paid funds$135,349The complete starting cash picture.
Estimated remaining funds due at closing
$135,349No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$124,695.74
Your down payment$124,695.74
Closing costs + prepaids$10,653.10
Total buyer cash needed$135,348.84
Remaining funds due$135,348.84
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,495.00
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)$398.50
Initial HOA (3 months)$186.00
Prepaid interest, first (20 days)$348.60
Fees + prepaids$10,653.10
Your down payment is the seller’s equity. You take over the $224,804 balance, so the rest of the $349,500 price is paid at closing. A second mortgage can cover part of it. $135,348.84 is due at closing. Uses and sources reconcile at $360,153.10 each. Not a Closing Disclosure.