Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$193,318Cash toward the purchase price.
Closing costs + prepaids$10,491Not just lender fees.
Before credits & paid funds$203,809The complete starting cash picture.
Estimated remaining funds due at closing
$203,809No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$193,317.91
Your down payment$193,317.91
Closing costs + prepaids$10,491.06
Total buyer cash needed$203,808.97
Remaining funds due$203,808.97
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 (31 days)$479.06
Fees + prepaids$10,491.06
Your down payment is the seller’s equity. You take over the $156,682 balance, so the rest of the $350,000 price is paid at closing. A second mortgage can cover part of it. $203,808.97 is due at closing. Uses and sources reconcile at $360,491.06 each. Not a Closing Disclosure.