Follow the dollars · Assumption only
A complete cash picture for Dec 3, 2026
Your down payment$181,231Cash toward the purchase price.
Closing costs + prepaids$10,696Not just lender fees.
Before credits & paid funds$191,927The complete starting cash picture.
Estimated remaining funds due at closing
$191,927No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$181,230.86
Your down payment$181,230.86
Closing costs + prepaids$10,695.84
Total buyer cash needed$191,926.70
Remaining funds due$191,926.70
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)$586.00
Prepaid interest, first (29 days)$384.84
Fees + prepaids$10,695.84
Your down payment is the seller’s equity. You take over the $168,769 balance, so the rest of the $350,000 price is paid at closing. A second mortgage can cover part of it. $191,926.70 is due at closing. Uses and sources reconcile at $360,695.84 each. Not a Closing Disclosure.