Follow the dollars · Assumption only
A complete cash picture for Dec 3, 2026
Your down payment$161,131Cash toward the purchase price.
Closing costs + prepaids$11,697Not just lender fees.
Before credits & paid funds$172,827The complete starting cash picture.
Estimated remaining funds due at closing
$172,827No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$161,130.54
Your down payment$161,130.54
Closing costs + prepaids$11,696.94
Total buyer cash needed$172,827.49
Remaining funds due$172,827.49
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)$875.00
Prepaid interest, first (29 days)$1,096.94
Fees + prepaids$11,696.94
Your down payment is the seller’s equity. You take over the $188,869 balance, so the rest of the $350,000 price is paid at closing. A second mortgage can cover part of it. $172,827.49 is due at closing. Uses and sources reconcile at $361,696.94 each. Not a Closing Disclosure.