Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$169,066Cash toward the purchase price.
Closing costs + prepaids$11,171Not just lender fees.
Before credits & paid funds$180,237The complete starting cash picture.
Estimated remaining funds due at closing
$180,237No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$169,065.79
Your down payment$169,065.79
Closing costs + prepaids$11,170.71
Total buyer cash needed$180,236.50
Remaining funds due$180,236.50
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)$892.50
Prepaid interest, first (31 days)$553.21
Fees + prepaids$11,170.71
Your down payment is the seller’s equity. You take over the $180,934 balance, so the rest of the $350,000 price is paid at closing. A second mortgage can cover part of it. $180,236.50 is due at closing. Uses and sources reconcile at $361,170.71 each. Not a Closing Disclosure.