Follow the dollars · Assumption only
A complete cash picture for Dec 2, 2026
Your down payment$219,867Cash toward the purchase price.
Closing costs + prepaids$11,119Not just lender fees.
Before credits & paid funds$230,986The complete starting cash picture.
Estimated remaining funds due at closing
$230,986No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$219,867.40
Your down payment$219,867.40
Closing costs + prepaids$11,118.65
Total buyer cash needed$230,986.05
Remaining funds due$230,986.05
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,735.00
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)$276.00
Prepaid interest, first (30 days)$882.65
Fees + prepaids$11,118.65
Your down payment is the seller’s equity. You take over the $153,633 balance, so the rest of the $373,500 price is paid at closing. A second mortgage can cover part of it. $230,986.05 is due at closing. Uses and sources reconcile at $384,618.65 each. Not a Closing Disclosure.