Follow the dollars · Assumption only
A complete cash picture for Dec 20, 2026
Your down payment$172,526Cash toward the purchase price.
Closing costs + prepaids$10,410Not just lender fees.
Before credits & paid funds$182,936The complete starting cash picture.
Estimated remaining funds due at closing
$182,936No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$172,525.82
Your down payment$172,525.82
Closing costs + prepaids$10,410.48
Total buyer cash needed$182,936.30
Remaining funds due$182,936.30
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)$420.00
Prepaid interest, first (12 days)$265.48
Fees + prepaids$10,410.48
Your down payment is the seller’s equity. You take over the $177,474 balance, so the rest of the $350,000 price is paid at closing. A second mortgage can cover part of it. $182,936.30 is due at closing. Uses and sources reconcile at $360,410.48 each. Not a Closing Disclosure.