Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$175,070Cash toward the purchase price.
Closing costs + prepaids$10,866Not just lender fees.
Before credits & paid funds$185,936The complete starting cash picture.
Estimated remaining funds due at closing
$185,936No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$175,069.98
Your down payment$175,069.98
Closing costs + prepaids$10,866.47
Total buyer cash needed$185,936.45
Remaining funds due$185,936.45
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,399.98
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)$275.75
Initial HOA (3 months)$312.99
Prepaid interest, first (31 days)$652.75
Fees + prepaids$10,866.47
Your down payment is the seller’s equity. You take over the $164,928 balance, so the rest of the $339,998 price is paid at closing. A second mortgage can cover part of it. $185,936.45 is due at closing. Uses and sources reconcile at $350,864.47 each. Not a Closing Disclosure.