Follow the dollars · Assumption only
A complete cash picture for Dec 10, 2026
Your down payment$177,614Cash toward the purchase price.
Closing costs + prepaids$10,900Not just lender fees.
Before credits & paid funds$188,514The complete starting cash picture.
Estimated remaining funds due at closing
$188,514No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$177,613.60
Your down payment$177,613.60
Closing costs + prepaids$10,900.29
Total buyer cash needed$188,513.88
Remaining funds due$188,513.88
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,480.00
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)$737.25
Prepaid interest, first (22 days)$458.04
Fees + prepaids$10,900.29
Your down payment is the seller’s equity. You take over the $170,386 balance, so the rest of the $348,000 price is paid at closing. A second mortgage can cover part of it. $188,513.88 is due at closing. Uses and sources reconcile at $358,900.29 each. Not a Closing Disclosure.