Follow the dollars · Assumption only
A complete cash picture for Dec 12, 2026
Your down payment$173,671Cash toward the purchase price.
Closing costs + prepaids$10,412Not just lender fees.
Before credits & paid funds$184,082The complete starting cash picture.
Estimated remaining funds due at closing
$184,082No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$173,670.59
Your down payment$173,670.59
Closing costs + prepaids$10,411.82
Total buyer cash needed$184,082.41
Remaining funds due$184,082.41
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,650.00
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)$226.50
Prepaid interest, first (20 days)$310.32
Fees + prepaids$10,411.82
Your down payment is the seller’s equity. You take over the $191,329 balance, so the rest of the $365,000 price is paid at closing. A second mortgage can cover part of it. $184,082.41 is due at closing. Uses and sources reconcile at $375,411.82 each. Not a Closing Disclosure.