Follow the dollars · Assumption only
A complete cash picture for Dec 2, 2026
Your down payment$142,338Cash toward the purchase price.
Closing costs + prepaids$11,121Not just lender fees.
Before credits & paid funds$153,459The complete starting cash picture.
Estimated remaining funds due at closing
$153,459No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$142,338.31
Your down payment$142,338.31
Closing costs + prepaids$11,121.13
Total buyer cash needed$153,459.43
Remaining funds due$153,459.43
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,550.00
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)$828.75
Prepaid interest, first (30 days)$517.38
Fees + prepaids$11,121.13
Your down payment is the seller’s equity. You take over the $212,662 balance, so the rest of the $355,000 price is paid at closing. A second mortgage can cover part of it. $153,459.43 is due at closing. Uses and sources reconcile at $366,121.13 each. Not a Closing Disclosure.