Follow the dollars · Assumption only
A complete cash picture for Dec 23, 2026
Your down payment$183,886Cash toward the purchase price.
Closing costs + prepaids$10,393Not just lender fees.
Before credits & paid funds$194,279The complete starting cash picture.
Estimated remaining funds due at closing
$194,279No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$183,886.35
Your down payment$183,886.35
Closing costs + prepaids$10,392.53
Total buyer cash needed$194,278.87
Remaining funds due$194,278.87
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)$424.25
Prepaid interest, first (9 days)$208.28
Fees + prepaids$10,392.53
Your down payment is the seller’s equity. You take over the $169,614 balance, so the rest of the $353,500 price is paid at closing. A second mortgage can cover part of it. $194,278.87 is due at closing. Uses and sources reconcile at $363,892.53 each. Not a Closing Disclosure.