Follow the dollars · Assumption only
A complete cash picture for Dec 22, 2026
Your down payment$157,876Cash toward the purchase price.
Closing costs + prepaids$10,501Not just lender fees.
Before credits & paid funds$168,377The complete starting cash picture.
Estimated remaining funds due at closing
$168,377No 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$10,501.02
Total buyer cash needed$168,376.52
Remaining funds due$168,376.52
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
Initial HOA (3 months)$156.00
Prepaid interest, first (10 days)$200.02
Fees + prepaids$10,501.02
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. $168,376.52 is due at closing. Uses and sources reconcile at $360,501.02 each. Not a Closing Disclosure.