Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$180,179Cash toward the purchase price.
Closing costs + prepaids$12,189Not just lender fees.
Before credits & paid funds$192,368The complete starting cash picture.
Estimated remaining funds due at closing
$192,368No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$180,179.38
Your down payment$180,179.38
Closing costs + prepaids$12,188.67
Total buyer cash needed$192,368.05
Remaining funds due$192,368.05
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,490.00
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)$2,006.25
Prepaid interest, first (31 days)$467.42
Fees + prepaids$12,188.67
Your down payment is the seller’s equity. You take over the $168,821 balance, so the rest of the $349,000 price is paid at closing. A second mortgage can cover part of it. $192,368.05 is due at closing. Uses and sources reconcile at $361,188.67 each. Not a Closing Disclosure.