Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$180,363Cash toward the purchase price.
Closing costs + prepaids$11,229Not just lender fees.
Before credits & paid funds$191,592The complete starting cash picture.
Estimated remaining funds due at closing
$191,592No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$180,363.18
Your down payment$180,363.18
Closing costs + prepaids$11,228.51
Total buyer cash needed$191,591.69
Remaining funds due$191,591.69
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,550.00
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)$887.50
Prepaid interest, first (26 days)$566.01
Fees + prepaids$11,228.51
Your down payment is the seller’s equity. You take over the $174,637 balance, so the rest of the $355,000 price is paid at closing. A second mortgage can cover part of it. $191,591.69 is due at closing. Uses and sources reconcile at $366,228.51 each. Not a Closing Disclosure.