Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$183,613Cash toward the purchase price.
Closing costs + prepaids$10,032Not just lender fees.
Before credits & paid funds$193,646The complete starting cash picture.
Estimated remaining funds due at closing
$193,646No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$183,613.15
Your down payment$183,613.15
Closing costs + prepaids$10,032.43
Total buyer cash needed$193,645.58
Remaining funds due$193,645.58
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,535.00
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)$249.25
Prepaid interest, first (1 days)$23.18
Fees + prepaids$10,032.43
Your down payment is the seller’s equity. You take over the $169,887 balance, so the rest of the $353,500 price is paid at closing. A second mortgage can cover part of it. $193,645.58 is due at closing. Uses and sources reconcile at $363,532.43 each. Not a Closing Disclosure.