Follow the dollars · Assumption only
A complete cash picture for Dec 14, 2026
Your down payment$159,114Cash toward the purchase price.
Closing costs + prepaids$10,701Not just lender fees.
Before credits & paid funds$169,815The complete starting cash picture.
Estimated remaining funds due at closing
$169,815No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$159,114.00
Your down payment$159,114.00
Closing costs + prepaids$10,700.57
Total buyer cash needed$169,814.57
Remaining funds due$169,814.57
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)$276.50
Initial HOA (3 months)$315.00
Prepaid interest, first (18 days)$384.07
Fees + prepaids$10,700.57
Your down payment is the seller’s equity. You take over the $190,886 balance, so the rest of the $350,000 price is paid at closing. A second mortgage can cover part of it. $169,814.57 is due at closing. Uses and sources reconcile at $360,700.57 each. Not a Closing Disclosure.