Follow the dollars · Assumption only
A complete cash picture for Dec 9, 2026
Your down payment$179,810Cash toward the purchase price.
Closing costs + prepaids$11,242Not just lender fees.
Before credits & paid funds$191,051The complete starting cash picture.
Estimated remaining funds due at closing
$191,051No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$179,809.57
Your down payment$179,809.57
Closing costs + prepaids$11,241.58
Total buyer cash needed$191,051.14
Remaining funds due$191,051.14
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)$1,130.50
Prepaid interest, first (23 days)$386.08
Fees + prepaids$11,241.58
Your down payment is the seller’s equity. You take over the $170,190 balance, so the rest of the $350,000 price is paid at closing. A second mortgage can cover part of it. $191,051.14 is due at closing. Uses and sources reconcile at $361,241.58 each. Not a Closing Disclosure.