Follow the dollars · Assumption only
A complete cash picture for Dec 7, 2026
Your down payment$181,139Cash toward the purchase price.
Closing costs + prepaids$10,624Not just lender fees.
Before credits & paid funds$191,762The complete starting cash picture.
Estimated remaining funds due at closing
$191,762No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$181,138.60
Your down payment$181,138.60
Closing costs + prepaids$10,623.56
Total buyer cash needed$191,762.16
Remaining funds due$191,762.16
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,590.00
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)$437.00
Prepaid interest, first (25 days)$371.56
Fees + prepaids$10,623.56
Your down payment is the seller’s equity. You take over the $177,861 balance, so the rest of the $359,000 price is paid at closing. A second mortgage can cover part of it. $191,762.16 is due at closing. Uses and sources reconcile at $369,623.56 each. Not a Closing Disclosure.