Follow the dollars · Assumption only
A complete cash picture for Dec 2, 2026
Your down payment$152,201Cash toward the purchase price.
Closing costs + prepaids$12,223Not just lender fees.
Before credits & paid funds$164,424The complete starting cash picture.
Estimated remaining funds due at closing
$164,424No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$152,201.16
Your down payment$152,201.16
Closing costs + prepaids$12,222.71
Total buyer cash needed$164,423.87
Remaining funds due$164,423.87
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)$1,763.75
Initial HOA (3 months)$3.75
Prepaid interest, first (30 days)$731.21
Fees + prepaids$12,222.71
Your down payment is the seller’s equity. You take over the $197,699 balance, so the rest of the $349,900 price is paid at closing. A second mortgage can cover part of it. $164,423.87 is due at closing. Uses and sources reconcile at $362,122.71 each. Not a Closing Disclosure.