Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$174,478Cash toward the purchase price.
Closing costs + prepaids$10,897Not just lender fees.
Before credits & paid funds$185,375The complete starting cash picture.
Estimated remaining funds due at closing
$185,375No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$174,477.82
Your down payment$174,477.82
Closing costs + prepaids$10,897.49
Total buyer cash needed$185,375.31
Remaining funds due$185,375.31
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)$398.00
Initial HOA (3 months)$111.00
Prepaid interest, first (31 days)$664.49
Fees + prepaids$10,897.49
Your down payment is the seller’s equity. You take over the $175,422 balance, so the rest of the $349,900 price is paid at closing. A second mortgage can cover part of it. $185,375.31 is due at closing. Uses and sources reconcile at $360,797.49 each. Not a Closing Disclosure.