Follow the dollars · Assumption only
A complete cash picture for Dec 22, 2026
Your down payment$174,478Cash toward the purchase price.
Closing costs + prepaids$10,469Not just lender fees.
Before credits & paid funds$184,947The complete starting cash picture.
Estimated remaining funds due at closing
$184,947No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$174,477.82
Your down payment$174,477.82
Closing costs + prepaids$10,469.35
Total buyer cash needed$184,947.17
Remaining funds due$184,947.17
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,499.00
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)$111.00
Prepaid interest, first (10 days)$214.35
Fees + prepaids$10,469.35
Your down payment is the seller’s equity. You take over the $175,422 balance, so the rest of the $349,900 price is paid at closing. A second mortgage can cover part of it. $184,947.17 is due at closing. Uses and sources reconcile at $360,369.35 each. Not a Closing Disclosure.