Follow the dollars · Assumption only
A complete cash picture for Dec 23, 2026
Your down payment$174,478Cash toward the purchase price.
Closing costs + prepaids$10,448Not just lender fees.
Before credits & paid funds$184,926The complete starting cash picture.
Estimated remaining funds due at closing
$184,926No 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$10,447.92
Total buyer cash needed$184,925.73
Remaining funds due$184,925.73
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)$420.00
Initial HOA (3 months)$111.00
Prepaid interest, first (9 days)$192.92
Fees + prepaids$10,447.92
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. $184,925.73 is due at closing. Uses and sources reconcile at $360,347.92 each. Not a Closing Disclosure.