Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$155,973Cash toward the purchase price.
Closing costs + prepaids$10,745Not just lender fees.
Before credits & paid funds$166,717The complete starting cash picture.
Estimated remaining funds due at closing
$166,717No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$155,972.79
Your down payment$155,972.79
Closing costs + prepaids$10,744.64
Total buyer cash needed$166,717.44
Remaining funds due$166,717.44
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,499.99
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)$364.75
Prepaid interest, first (28 days)$654.90
Fees + prepaids$10,744.64
Your down payment is the seller’s equity. You take over the $194,026 balance, so the rest of the $349,999 price is paid at closing. A second mortgage can cover part of it. $166,717.44 is due at closing. Uses and sources reconcile at $360,743.64 each. Not a Closing Disclosure.