Follow the dollars · Assumption only
A complete cash picture for Dec 23, 2026
Your down payment$130,640Cash toward the purchase price.
Closing costs + prepaids$10,457Not just lender fees.
Before credits & paid funds$141,097The complete starting cash picture.
Estimated remaining funds due at closing
$141,097No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$130,639.53
Your down payment$130,639.53
Closing costs + prepaids$10,456.97
Total buyer cash needed$141,096.50
Remaining funds due$141,096.50
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)$420.00
Initial HOA (3 months)$147.00
Prepaid interest, first (9 days)$164.97
Fees + prepaids$10,456.97
Your down payment is the seller’s equity. You take over the $219,360 balance, so the rest of the $350,000 price is paid at closing. A second mortgage can cover part of it. $141,096.50 is due at closing. Uses and sources reconcile at $360,456.97 each. Not a Closing Disclosure.