Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$160,473Cash toward the purchase price.
Closing costs + prepaids$10,734Not just lender fees.
Before credits & paid funds$171,207The complete starting cash picture.
Estimated remaining funds due at closing
$171,207No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$160,473.43
Your down payment$160,473.43
Closing costs + prepaids$10,733.56
Total buyer cash needed$171,206.99
Remaining funds due$171,206.99
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,449.00
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)$1,039.50
Prepaid interest, first (1 days)$20.06
Fees + prepaids$10,733.56
Your down payment is the seller’s equity. You take over the $184,427 balance, so the rest of the $344,900 price is paid at closing. A second mortgage can cover part of it. $171,206.99 is due at closing. Uses and sources reconcile at $355,633.56 each. Not a Closing Disclosure.