Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$158,005Cash toward the purchase price.
Closing costs + prepaids$10,626Not just lender fees.
Before credits & paid funds$168,631The complete starting cash picture.
Estimated remaining funds due at closing
$168,631No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$158,004.64
Your down payment$158,004.64
Closing costs + prepaids$10,625.99
Total buyer cash needed$168,630.62
Remaining funds due$168,630.62
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,700.00
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)$211.25
Prepaid interest, first (31 days)$489.74
Fees + prepaids$10,625.99
Your down payment is the seller’s equity. You take over the $211,995 balance, so the rest of the $370,000 price is paid at closing. A second mortgage can cover part of it. $168,630.62 is due at closing. Uses and sources reconcile at $380,625.99 each. Not a Closing Disclosure.