Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$204,169Cash toward the purchase price.
Closing costs + prepaids$11,221Not just lender fees.
Before credits & paid funds$215,390The complete starting cash picture.
Estimated remaining funds due at closing
$215,390No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$204,168.94
Your down payment$204,168.94
Closing costs + prepaids$11,221.06
Total buyer cash needed$215,390.00
Remaining funds due$215,390.00
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,659.00
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)$783.50
Prepaid interest, first (31 days)$553.56
Fees + prepaids$11,221.06
Your down payment is the seller’s equity. You take over the $161,731 balance, so the rest of the $365,900 price is paid at closing. A second mortgage can cover part of it. $215,390.00 is due at closing. Uses and sources reconcile at $377,121.06 each. Not a Closing Disclosure.