Follow the dollars · Assumption only
A complete cash picture for Dec 10, 2026
Your down payment$163,630Cash toward the purchase price.
Closing costs + prepaids$11,237Not just lender fees.
Before credits & paid funds$174,867The complete starting cash picture.
Estimated remaining funds due at closing
$174,867No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$163,630.11
Your down payment$163,630.11
Closing costs + prepaids$11,237.39
Total buyer cash needed$174,867.49
Remaining funds due$174,867.49
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,559.99
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)$763.75
Initial HOA (3 months)$255.00
Prepaid interest, first (22 days)$433.65
Fees + prepaids$11,237.39
Your down payment is the seller’s equity. You take over the $192,369 balance, so the rest of the $355,999 price is paid at closing. A second mortgage can cover part of it. $174,867.49 is due at closing. Uses and sources reconcile at $367,236.39 each. Not a Closing Disclosure.