Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$166,763Cash toward the purchase price.
Closing costs + prepaids$11,533Not just lender fees.
Before credits & paid funds$178,296The complete starting cash picture.
Estimated remaining funds due at closing
$178,296No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$166,762.55
Your down payment$166,762.55
Closing costs + prepaids$11,533.41
Total buyer cash needed$178,295.96
Remaining funds due$178,295.96
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,690.00
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)$897.00
Prepaid interest, first (31 days)$721.41
Fees + prepaids$11,533.41
Your down payment is the seller’s equity. You take over the $202,237 balance, so the rest of the $369,000 price is paid at closing. A second mortgage can cover part of it. $178,295.96 is due at closing. Uses and sources reconcile at $380,533.41 each. Not a Closing Disclosure.