Follow the dollars · Assumption only
A complete cash picture for Nov 29, 2026
Your down payment$161,856Cash toward the purchase price.
Closing costs + prepaids$12,580Not just lender fees.
Before credits & paid funds$174,436The complete starting cash picture.
Estimated remaining funds due at closing
$174,436No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$161,855.80
Your down payment$161,855.80
Closing costs + prepaids$12,579.76
Total buyer cash needed$174,435.56
Remaining funds due$174,435.56
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,550.00
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)$2,492.25
Initial HOA (3 months)$267.00
Prepaid interest, first (2 days)$45.51
Fees + prepaids$12,579.76
Your down payment is the seller’s equity. You take over the $193,144 balance, so the rest of the $355,000 price is paid at closing. A second mortgage can cover part of it. $174,435.56 is due at closing. Uses and sources reconcile at $367,579.76 each. Not a Closing Disclosure.