Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$184,819Cash toward the purchase price.
Closing costs + prepaids$10,572Not just lender fees.
Before credits & paid funds$195,391The complete starting cash picture.
Estimated remaining funds due at closing
$195,391No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$184,818.83
Your down payment$184,818.83
Closing costs + prepaids$10,572.14
Total buyer cash needed$195,390.97
Remaining funds due$195,390.97
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,370.00
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)$502.00
Prepaid interest, first (28 days)$475.14
Fees + prepaids$10,572.14
Your down payment is the seller’s equity. You take over the $152,181 balance, so the rest of the $337,000 price is paid at closing. A second mortgage can cover part of it. $195,390.97 is due at closing. Uses and sources reconcile at $347,572.14 each. Not a Closing Disclosure.