Follow the dollars · Assumption only
A complete cash picture for Dec 10, 2026
Your down payment$185,830Cash toward the purchase price.
Closing costs + prepaids$11,328Not just lender fees.
Before credits & paid funds$197,158The complete starting cash picture.
Estimated remaining funds due at closing
$197,158No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$185,830.31
Your down payment$185,830.31
Closing costs + prepaids$11,327.84
Total buyer cash needed$197,158.15
Remaining funds due$197,158.15
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,499.00
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)$859.50
Initial HOA (3 months)$373.50
Prepaid interest, first (22 days)$370.84
Fees + prepaids$11,327.84
Your down payment is the seller’s equity. You take over the $164,070 balance, so the rest of the $349,900 price is paid at closing. A second mortgage can cover part of it. $197,158.15 is due at closing. Uses and sources reconcile at $361,227.84 each. Not a Closing Disclosure.