Follow the dollars · Assumption only
A complete cash picture for Dec 17, 2026
Your down payment$181,139Cash toward the purchase price.
Closing costs + prepaids$10,487Not just lender fees.
Before credits & paid funds$191,625The complete starting cash picture.
Estimated remaining funds due at closing
$191,625No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$181,138.60
Your down payment$181,138.60
Closing costs + prepaids$10,486.69
Total buyer cash needed$191,625.29
Remaining funds due$191,625.29
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,590.00
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)$448.75
Prepaid interest, first (15 days)$222.94
Fees + prepaids$10,486.69
Your down payment is the seller’s equity. You take over the $177,861 balance, so the rest of the $359,000 price is paid at closing. A second mortgage can cover part of it. $191,625.29 is due at closing. Uses and sources reconcile at $369,486.69 each. Not a Closing Disclosure.