Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$157,876Cash toward the purchase price.
Closing costs + prepaids$11,076Not just lender fees.
Before credits & paid funds$168,951The complete starting cash picture.
Estimated remaining funds due at closing
$168,951No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$157,875.50
Your down payment$157,875.50
Closing costs + prepaids$11,075.56
Total buyer cash needed$168,951.07
Remaining funds due$168,951.07
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)$574.50
Initial HOA (3 months)$156.00
Prepaid interest, first (31 days)$620.06
Fees + prepaids$11,075.56
Your down payment is the seller’s equity. You take over the $192,124 balance, so the rest of the $350,000 price is paid at closing. A second mortgage can cover part of it. $168,951.07 is due at closing. Uses and sources reconcile at $361,075.56 each. Not a Closing Disclosure.