Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$170,590Cash toward the purchase price.
Closing costs + prepaids$11,044Not just lender fees.
Before credits & paid funds$181,634The complete starting cash picture.
Estimated remaining funds due at closing
$181,634No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$170,590.06
Your down payment$170,590.06
Closing costs + prepaids$11,043.70
Total buyer cash needed$181,633.76
Remaining funds due$181,633.76
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,449.00
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)$864.25
Prepaid interest, first (27 days)$505.45
Fees + prepaids$11,043.70
Your down payment is the seller’s equity. You take over the $174,310 balance, so the rest of the $344,900 price is paid at closing. A second mortgage can cover part of it. $181,633.76 is due at closing. Uses and sources reconcile at $355,943.70 each. Not a Closing Disclosure.