Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$177,815Cash toward the purchase price.
Closing costs + prepaids$10,525Not just lender fees.
Before credits & paid funds$188,340The complete starting cash picture.
Estimated remaining funds due at closing
$188,340No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$177,814.59
Your down payment$177,814.59
Closing costs + prepaids$10,525.18
Total buyer cash needed$188,339.77
Remaining funds due$188,339.77
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)$783.50
Prepaid interest, first (1 days)$17.68
Fees + prepaids$10,525.18
Your down payment is the seller’s equity. You take over the $172,085 balance, so the rest of the $349,900 price is paid at closing. A second mortgage can cover part of it. $188,339.77 is due at closing. Uses and sources reconcile at $360,425.18 each. Not a Closing Disclosure.