Follow the dollars · Assumption only
A complete cash picture for Dec 20, 2026
Your down payment$170,841Cash toward the purchase price.
Closing costs + prepaids$11,659Not just lender fees.
Before credits & paid funds$182,500The complete starting cash picture.
Estimated remaining funds due at closing
$182,500No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$170,841.02
Your down payment$170,841.02
Closing costs + prepaids$11,659.43
Total buyer cash needed$182,500.45
Remaining funds due$182,500.45
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,449.00
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)$414.00
Initial HOA (3 months)$1,374.00
Prepaid interest, first (12 days)$197.43
Fees + prepaids$11,659.43
Your down payment is the seller’s equity. You take over the $174,059 balance, so the rest of the $344,900 price is paid at closing. A second mortgage can cover part of it. $182,500.45 is due at closing. Uses and sources reconcile at $356,559.43 each. Not a Closing Disclosure.