Follow the dollars · Assumption only
A complete cash picture for Nov 29, 2026
Your down payment$173,463Cash toward the purchase price.
Closing costs + prepaids$10,548Not just lender fees.
Before credits & paid funds$184,011The complete starting cash picture.
Estimated remaining funds due at closing
$184,011No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$173,462.96
Your down payment$173,462.96
Closing costs + prepaids$10,548.33
Total buyer cash needed$184,011.29
Remaining funds due$184,011.29
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,590.00
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)$701.00
Prepaid interest, first (2 days)$32.33
Fees + prepaids$10,548.33
Your down payment is the seller’s equity. You take over the $185,537 balance, so the rest of the $359,000 price is paid at closing. A second mortgage can cover part of it. $184,011.29 is due at closing. Uses and sources reconcile at $369,548.33 each. Not a Closing Disclosure.