Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$184,671Cash toward the purchase price.
Closing costs + prepaids$11,667Not just lender fees.
Before credits & paid funds$196,338The complete starting cash picture.
Estimated remaining funds due at closing
$196,338No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$184,671.11
Your down payment$184,671.11
Closing costs + prepaids$11,666.90
Total buyer cash needed$196,338.01
Remaining funds due$196,338.01
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,500.00
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)$693.00
Initial HOA (3 months)$873.99
Prepaid interest, first (31 days)$374.91
Fees + prepaids$11,666.90
Your down payment is the seller’s equity. You take over the $165,329 balance, so the rest of the $350,000 price is paid at closing. A second mortgage can cover part of it. $196,338.01 is due at closing. Uses and sources reconcile at $361,666.90 each. Not a Closing Disclosure.