Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$154,886Cash toward the purchase price.
Closing costs + prepaids$12,211Not just lender fees.
Before credits & paid funds$167,096The complete starting cash picture.
Estimated remaining funds due at closing
$167,096No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$154,885.89
Your down payment$154,885.89
Closing costs + prepaids$12,210.61
Total buyer cash needed$167,096.49
Remaining funds due$167,096.49
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,535.00
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)$1,129.00
Initial HOA (3 months)$900.00
Prepaid interest, first (26 days)$421.61
Fees + prepaids$12,210.61
Your down payment is the seller’s equity. You take over the $198,614 balance, so the rest of the $353,500 price is paid at closing. A second mortgage can cover part of it. $167,096.49 is due at closing. Uses and sources reconcile at $365,710.61 each. Not a Closing Disclosure.