Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$167,630Cash toward the purchase price.
Closing costs + prepaids$11,455Not just lender fees.
Before credits & paid funds$179,085The complete starting cash picture.
Estimated remaining funds due at closing
$179,085No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$167,630.11
Your down payment$167,630.11
Closing costs + prepaids$11,454.79
Total buyer cash needed$179,084.90
Remaining funds due$179,084.90
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,599.99
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)$763.75
Initial HOA (3 months)$255.00
Prepaid interest, first (31 days)$611.05
Fees + prepaids$11,454.79
Your down payment is the seller’s equity. You take over the $192,369 balance, so the rest of the $359,999 price is paid at closing. A second mortgage can cover part of it. $179,084.90 is due at closing. Uses and sources reconcile at $371,453.79 each. Not a Closing Disclosure.