Follow the dollars · Assumption only
A complete cash picture for Dec 3, 2026
Your down payment$173,701Cash toward the purchase price.
Closing costs + prepaids$11,170Not just lender fees.
Before credits & paid funds$184,871The complete starting cash picture.
Estimated remaining funds due at closing
$184,871No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$173,701.05
Your down payment$173,701.05
Closing costs + prepaids$11,170.37
Total buyer cash needed$184,871.41
Remaining funds due$184,871.41
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,590.00
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)$897.50
Prepaid interest, first (29 days)$457.87
Fees + prepaids$11,170.37
Your down payment is the seller’s equity. You take over the $185,299 balance, so the rest of the $359,000 price is paid at closing. A second mortgage can cover part of it. $184,871.41 is due at closing. Uses and sources reconcile at $370,170.37 each. Not a Closing Disclosure.