Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$162,682Cash toward the purchase price.
Closing costs + prepaids$11,000Not just lender fees.
Before credits & paid funds$173,682The complete starting cash picture.
Estimated remaining funds due at closing
$173,682No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$162,681.54
Your down payment$162,681.54
Closing costs + prepaids$11,000.04
Total buyer cash needed$173,681.58
Remaining funds due$173,681.58
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,549.00
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)$631.50
Initial HOA (3 months)$31.26
Prepaid interest, first (28 days)$563.28
Fees + prepaids$11,000.04
Your down payment is the seller’s equity. You take over the $192,218 balance, so the rest of the $354,900 price is paid at closing. A second mortgage can cover part of it. $173,681.58 is due at closing. Uses and sources reconcile at $365,900.04 each. Not a Closing Disclosure.