Follow the dollars · Assumption only
A complete cash picture for Dec 16, 2026
Your down payment$170,589Cash toward the purchase price.
Closing costs + prepaids$10,375Not just lender fees.
Before credits & paid funds$180,964The complete starting cash picture.
Estimated remaining funds due at closing
$180,964No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$170,588.73
Your down payment$170,588.73
Closing costs + prepaids$10,375.30
Total buyer cash needed$180,964.03
Remaining funds due$180,964.03
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)$437.50
Prepaid interest, first (16 days)$213.80
Fees + prepaids$10,375.30
Your down payment is the seller’s equity. You take over the $179,311 balance, so the rest of the $349,900 price is paid at closing. A second mortgage can cover part of it. $180,964.03 is due at closing. Uses and sources reconcile at $360,275.30 each. Not a Closing Disclosure.