Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$158,867Cash toward the purchase price.
Closing costs + prepaids$11,956Not just lender fees.
Before credits & paid funds$170,823The complete starting cash picture.
Estimated remaining funds due at closing
$170,823No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$158,867.31
Your down payment$158,867.31
Closing costs + prepaids$11,955.81
Total buyer cash needed$170,823.12
Remaining funds due$170,823.12
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)$512.25
Initial HOA (3 months)$1,116.00
Prepaid interest, first (31 days)$603.56
Fees + prepaids$11,955.81
Your down payment is the seller’s equity. You take over the $191,033 balance, so the rest of the $349,900 price is paid at closing. A second mortgage can cover part of it. $170,823.12 is due at closing. Uses and sources reconcile at $361,855.81 each. Not a Closing Disclosure.