Follow the dollars · Assumption only
A complete cash picture for Dec 10, 2026
Your down payment$180,179Cash toward the purchase price.
Closing costs + prepaids$12,053Not just lender fees.
Before credits & paid funds$192,232The complete starting cash picture.
Estimated remaining funds due at closing
$192,232No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$180,179.38
Your down payment$180,179.38
Closing costs + prepaids$12,052.97
Total buyer cash needed$192,232.35
Remaining funds due$192,232.35
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,490.00
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)$2,006.25
Prepaid interest, first (22 days)$331.72
Fees + prepaids$12,052.97
Your down payment is the seller’s equity. You take over the $168,821 balance, so the rest of the $349,000 price is paid at closing. A second mortgage can cover part of it. $192,232.35 is due at closing. Uses and sources reconcile at $361,052.97 each. Not a Closing Disclosure.