Follow the dollars · Assumption only
A complete cash picture for Dec 8, 2026
Your down payment$162,581Cash toward the purchase price.
Closing costs + prepaids$11,116Not just lender fees.
Before credits & paid funds$173,696The complete starting cash picture.
Estimated remaining funds due at closing
$173,696No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$162,580.67
Your down payment$162,580.67
Closing costs + prepaids$11,115.61
Total buyer cash needed$173,696.29
Remaining funds due$173,696.29
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,380.00
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)$845.00
Initial HOA (3 months)$225.00
Prepaid interest, first (24 days)$440.61
Fees + prepaids$11,115.61
Your down payment is the seller’s equity. You take over the $175,419 balance, so the rest of the $338,000 price is paid at closing. A second mortgage can cover part of it. $173,696.29 is due at closing. Uses and sources reconcile at $349,115.61 each. Not a Closing Disclosure.