Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$168,138Cash toward the purchase price.
Closing costs + prepaids$11,302Not just lender fees.
Before credits & paid funds$179,440The complete starting cash picture.
Estimated remaining funds due at closing
$179,440No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$168,137.79
Your down payment$168,137.79
Closing costs + prepaids$11,302.48
Total buyer cash needed$179,440.27
Remaining funds due$179,440.27
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,496.00
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)$1,096.75
Prepaid interest, first (26 days)$484.73
Fees + prepaids$11,302.48
Your down payment is the seller’s equity. You take over the $181,462 balance, so the rest of the $349,600 price is paid at closing. A second mortgage can cover part of it. $179,440.27 is due at closing. Uses and sources reconcile at $360,902.48 each. Not a Closing Disclosure.