Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$173,918Cash toward the purchase price.
Closing costs + prepaids$10,843Not just lender fees.
Before credits & paid funds$184,761The complete starting cash picture.
Estimated remaining funds due at closing
$184,761No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$173,918.04
Your down payment$173,918.04
Closing costs + prepaids$10,842.90
Total buyer cash needed$184,760.94
Remaining funds due$184,760.94
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,499.00
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)$226.50
Initial HOA (3 months)$447.00
Prepaid interest, first (31 days)$445.40
Fees + prepaids$10,842.90
Your down payment is the seller’s equity. You take over the $175,982 balance, so the rest of the $349,900 price is paid at closing. A second mortgage can cover part of it. $184,760.94 is due at closing. Uses and sources reconcile at $360,742.90 each. Not a Closing Disclosure.