Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$174,703Cash toward the purchase price.
Closing costs + prepaids$10,235Not just lender fees.
Before credits & paid funds$184,938The complete starting cash picture.
Estimated remaining funds due at closing
$184,938No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$174,703.17
Your down payment$174,703.17
Closing costs + prepaids$10,234.82
Total buyer cash needed$184,938.00
Remaining funds due$184,938.00
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,399.98
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)$275.75
Initial HOA (3 months)$312.99
Prepaid interest, first (1 days)$21.10
Fees + prepaids$10,234.82
Your down payment is the seller’s equity. You take over the $165,295 balance, so the rest of the $339,998 price is paid at closing. A second mortgage can cover part of it. $184,938.00 is due at closing. Uses and sources reconcile at $350,232.82 each. Not a Closing Disclosure.