Follow the dollars · Assumption only
A complete cash picture for Dec 12, 2026
Your down payment$184,478Cash toward the purchase price.
Closing costs + prepaids$11,014Not just lender fees.
Before credits & paid funds$195,492The complete starting cash picture.
Estimated remaining funds due at closing
$195,492No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$184,477.82
Your down payment$184,477.82
Closing costs + prepaids$11,014.11
Total buyer cash needed$195,491.93
Remaining funds due$195,491.93
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)$710.25
Initial HOA (3 months)$207.00
Prepaid interest, first (20 days)$371.86
Fees + prepaids$11,014.11
Your down payment is the seller’s equity. You take over the $165,522 balance, so the rest of the $350,000 price is paid at closing. A second mortgage can cover part of it. $195,491.93 is due at closing. Uses and sources reconcile at $361,014.11 each. Not a Closing Disclosure.