Follow the dollars · Assumption only
A complete cash picture for Nov 29, 2026
Your down payment$205,790Cash toward the purchase price.
Closing costs + prepaids$10,756Not just lender fees.
Before credits & paid funds$216,546The complete starting cash picture.
Estimated remaining funds due at closing
$216,546No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$205,790.05
Your down payment$205,790.05
Closing costs + prepaids$10,756.06
Total buyer cash needed$216,546.11
Remaining funds due$216,546.11
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,595.00
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)$898.75
Prepaid interest, first (2 days)$37.31
Fees + prepaids$10,756.06
Your down payment is the seller’s equity. You take over the $153,710 balance, so the rest of the $359,500 price is paid at closing. A second mortgage can cover part of it. $216,546.11 is due at closing. Uses and sources reconcile at $370,256.06 each. Not a Closing Disclosure.