Follow the dollars · Assumption only
A complete cash picture for Dec 22, 2026
Your down payment$163,918Cash toward the purchase price.
Closing costs + prepaids$10,623Not just lender fees.
Before credits & paid funds$174,541The complete starting cash picture.
Estimated remaining funds due at closing
$174,541No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$163,918.04
Your down payment$163,918.04
Closing costs + prepaids$10,622.68
Total buyer cash needed$174,540.71
Remaining funds due$174,540.71
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,399.00
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)$408.00
Initial HOA (3 months)$447.00
Prepaid interest, first (10 days)$143.68
Fees + prepaids$10,622.68
Your down payment is the seller’s equity. You take over the $175,982 balance, so the rest of the $339,900 price is paid at closing. A second mortgage can cover part of it. $174,540.71 is due at closing. Uses and sources reconcile at $350,522.68 each. Not a Closing Disclosure.