Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$180,864Cash toward the purchase price.
Closing costs + prepaids$11,014Not just lender fees.
Before credits & paid funds$191,878The complete starting cash picture.
Estimated remaining funds due at closing
$191,878No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$180,863.89
Your down payment$180,863.89
Closing costs + prepaids$11,014.35
Total buyer cash needed$191,878.24
Remaining funds due$191,878.24
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)$910.25
Prepaid interest, first (27 days)$379.10
Fees + prepaids$11,014.35
Your down payment is the seller’s equity. You take over the $169,136 balance, so the rest of the $350,000 price is paid at closing. A second mortgage can cover part of it. $191,878.24 is due at closing. Uses and sources reconcile at $361,014.35 each. Not a Closing Disclosure.