Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$167,521Cash toward the purchase price.
Closing costs + prepaids$10,998Not just lender fees.
Before credits & paid funds$178,519The complete starting cash picture.
Estimated remaining funds due at closing
$178,519No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$167,521.12
Your down payment$167,521.12
Closing costs + prepaids$10,998.25
Total buyer cash needed$178,519.37
Remaining funds due$178,519.37
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)$871.50
Prepaid interest, first (28 days)$401.75
Fees + prepaids$10,998.25
Your down payment is the seller’s equity. You take over the $182,479 balance, so the rest of the $350,000 price is paid at closing. A second mortgage can cover part of it. $178,519.37 is due at closing. Uses and sources reconcile at $360,998.25 each. Not a Closing Disclosure.