Follow the dollars · Assumption only
A complete cash picture for Dec 8, 2026
Your down payment$177,856Cash toward the purchase price.
Closing costs + prepaids$11,532Not just lender fees.
Before credits & paid funds$189,388The complete starting cash picture.
Estimated remaining funds due at closing
$189,388No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$177,855.63
Your down payment$177,855.63
Closing costs + prepaids$11,532.14
Total buyer cash needed$189,387.77
Remaining funds due$189,387.77
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)$966.25
Prepaid interest, first (24 days)$790.89
Fees + prepaids$11,532.14
Your down payment is the seller’s equity. You take over the $177,144 balance, so the rest of the $355,000 price is paid at closing. A second mortgage can cover part of it. $189,387.77 is due at closing. Uses and sources reconcile at $366,532.14 each. Not a Closing Disclosure.