Follow the dollars · Assumption only
A complete cash picture for Dec 10, 2026
Your down payment$150,718Cash toward the purchase price.
Closing costs + prepaids$11,206Not just lender fees.
Before credits & paid funds$161,925The complete starting cash picture.
Estimated remaining funds due at closing
$161,925No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$150,718.49
Your down payment$150,718.49
Closing costs + prepaids$11,206.05
Total buyer cash needed$161,924.53
Remaining funds due$161,924.53
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)$925.50
Initial HOA (3 months)$114.00
Prepaid interest, first (22 days)$391.55
Fees + prepaids$11,206.05
Your down payment is the seller’s equity. You take over the $204,282 balance, so the rest of the $355,000 price is paid at closing. A second mortgage can cover part of it. $161,924.53 is due at closing. Uses and sources reconcile at $366,206.05 each. Not a Closing Disclosure.