Follow the dollars · Assumption only
A complete cash picture for Dec 3, 2026
Your down payment$188,802Cash toward the purchase price.
Closing costs + prepaids$10,418Not just lender fees.
Before credits & paid funds$199,219The complete starting cash picture.
Estimated remaining funds due at closing
$199,219No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$188,801.53
Your down payment$188,801.53
Closing costs + prepaids$10,417.61
Total buyer cash needed$199,219.14
Remaining funds due$199,219.14
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,500.00
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)$323.75
Prepaid interest, first (29 days)$368.86
Fees + prepaids$10,417.61
Your down payment is the seller’s equity. You take over the $161,198 balance, so the rest of the $350,000 price is paid at closing. A second mortgage can cover part of it. $199,219.14 is due at closing. Uses and sources reconcile at $360,417.61 each. Not a Closing Disclosure.