Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$178,966Cash toward the purchase price.
Closing costs + prepaids$11,152Not just lender fees.
Before credits & paid funds$190,118The complete starting cash picture.
Estimated remaining funds due at closing
$190,118No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$178,965.61
Your down payment$178,965.61
Closing costs + prepaids$11,151.97
Total buyer cash needed$190,117.57
Remaining funds due$190,117.57
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)$919.75
Prepaid interest, first (27 days)$408.22
Fees + prepaids$11,151.97
Your down payment is the seller’s equity. You take over the $180,934 balance, so the rest of the $359,900 price is paid at closing. A second mortgage can cover part of it. $190,117.57 is due at closing. Uses and sources reconcile at $371,051.97 each. Not a Closing Disclosure.