Follow the dollars · Assumption only
A complete cash picture for Dec 2, 2026
Your down payment$158,372Cash toward the purchase price.
Closing costs + prepaids$11,603Not just lender fees.
Before credits & paid funds$169,975The complete starting cash picture.
Estimated remaining funds due at closing
$169,975No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$158,371.86
Your down payment$158,371.86
Closing costs + prepaids$11,603.28
Total buyer cash needed$169,975.14
Remaining funds due$169,975.14
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,649.00
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)$970.50
Prepaid interest, first (30 days)$758.78
Fees + prepaids$11,603.28
Your down payment is the seller’s equity. You take over the $206,528 balance, so the rest of the $364,900 price is paid at closing. A second mortgage can cover part of it. $169,975.14 is due at closing. Uses and sources reconcile at $376,503.28 each. Not a Closing Disclosure.