Follow the dollars · Assumption only
A complete cash picture for Dec 10, 2026
Your down payment$171,733Cash toward the purchase price.
Closing costs + prepaids$10,361Not just lender fees.
Before credits & paid funds$182,094The complete starting cash picture.
Estimated remaining funds due at closing
$182,094No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$171,733.46
Your down payment$171,733.46
Closing costs + prepaids$10,360.66
Total buyer cash needed$182,094.12
Remaining funds due$182,094.12
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)$314.50
Prepaid interest, first (22 days)$322.16
Fees + prepaids$10,360.66
Your down payment is the seller’s equity. You take over the $178,167 balance, so the rest of the $349,900 price is paid at closing. A second mortgage can cover part of it. $182,094.12 is due at closing. Uses and sources reconcile at $360,260.66 each. Not a Closing Disclosure.