Follow the dollars · Assumption only
A complete cash picture for Dec 27, 2026
Your down payment$172,979Cash toward the purchase price.
Closing costs + prepaids$10,706Not just lender fees.
Before credits & paid funds$183,685The complete starting cash picture.
Estimated remaining funds due at closing
$183,685No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$172,978.56
Your down payment$172,978.56
Closing costs + prepaids$10,706.16
Total buyer cash needed$183,684.72
Remaining funds due$183,684.72
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)$892.25
Prepaid interest, first (5 days)$89.91
Fees + prepaids$10,706.16
Your down payment is the seller’s equity. You take over the $176,921 balance, so the rest of the $349,900 price is paid at closing. A second mortgage can cover part of it. $183,684.72 is due at closing. Uses and sources reconcile at $360,606.16 each. Not a Closing Disclosure.