Follow the dollars · Assumption only
A complete cash picture for Dec 10, 2026
Your down payment$182,979Cash toward the purchase price.
Closing costs + prepaids$11,074Not just lender fees.
Before credits & paid funds$194,052The complete starting cash picture.
Estimated remaining funds due at closing
$194,052No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$182,978.56
Your down payment$182,978.56
Closing costs + prepaids$11,073.88
Total buyer cash needed$194,052.43
Remaining funds due$194,052.43
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,599.00
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)$854.25
Prepaid interest, first (22 days)$395.63
Fees + prepaids$11,073.88
Your down payment is the seller’s equity. You take over the $176,921 balance, so the rest of the $359,900 price is paid at closing. A second mortgage can cover part of it. $194,052.43 is due at closing. Uses and sources reconcile at $370,973.88 each. Not a Closing Disclosure.