Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$168,470Cash toward the purchase price.
Closing costs + prepaids$11,565Not just lender fees.
Before credits & paid funds$180,035The complete starting cash picture.
Estimated remaining funds due at closing
$180,035No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$168,469.81
Your down payment$168,469.81
Closing costs + prepaids$11,565.19
Total buyer cash needed$180,035.00
Remaining funds due$180,035.00
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,439.00
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)$1,401.50
Initial HOA (3 months)$65.01
Prepaid interest, first (28 days)$434.68
Fees + prepaids$11,565.19
Your down payment is the seller’s equity. You take over the $175,430 balance, so the rest of the $343,900 price is paid at closing. A second mortgage can cover part of it. $180,035.00 is due at closing. Uses and sources reconcile at $355,465.19 each. Not a Closing Disclosure.